About First Step Auto Loan Program

Our Story

At First Step Auto Loan Program, we believe that bankruptcy isn't the end of the road — it's the beginning of a new one.

For more than 20 years, we've specialized exclusively in helping individuals and families secure reliable transportation during and after bankruptcy. While many dealerships simply see a credit score, we see the person behind it. We understand that unexpected life events happen, and that good people sometimes face difficult financial circumstances. Our mission has always been to provide honest guidance, dependable transportation, and a clear path toward rebuilding both confidence and credit.

Over the years, we've built strong relationships with bankruptcy attorneys, trustees, and lenders throughout Ohio, Pennsylvania, and beyond by becoming experts in the bankruptcy financing process. From understanding the unique requirements of Chapter 7 and Chapter 13 bankruptcies to utilizing PACER, the federal bankruptcy records system, to quickly verify bankruptcy information and reduce unnecessary paperwork, we've developed the knowledge and experience needed to help our customers navigate what can often feel like an overwhelming situation.

We understand that bad things happen to good people. First Step has always been about more than financing vehicles. It's about giving people hope, treating every customer with dignity and respect, and helping them move forward with confidence. We don't believe in gimmicks, unrealistic promises, or high-pressure sales tactics. We believe in honest conversations, realistic expectations, and finding solutions that truly make sense for each customer's unique situation.

Whether you're filing bankruptcy, recently received your discharge, or need help replacing a vehicle during the bankruptcy process, our goal is simple: help you take the first step toward a stronger financial future.

An Honest First Step. Not a Quick Fix.

Bankruptcy doesn't define you. It's simply the beginning of a new chapter. That's why everything we do is built around three simple principles.

Meet the Team

At First Step Auto Loan Program, you'll work with a team that understands the bankruptcy process and is committed to helping you move forward with confidence. Every member of our team shares the same philosophy — treat every customer with honesty, respect, and compassion while providing expert guidance throughout the financing process. From your first phone call to the day you drive away, we're here to answer your questions, simplify the process, and help you take the next step toward rebuilding your financial future.

For more than 20 years, Fred Aboid has dedicated his career to helping individuals and families navigate one of life's most challenging financial situations — bankruptcy. As the driving force behind the First Step Auto Loan Program, Fred has become a trusted resource for customers, bankruptcy attorneys, trustees, and lenders throughout Ohio by combining specialized knowledge with a genuine passion for helping people move forward.



Over the years, Fred has helped facilitate more than $10 million in bankruptcy auto loans, developing a deep understanding of both Chapter 7 and Chapter 13 bankruptcies. His expertise extends beyond vehicle financing. By staying current on bankruptcy laws, trustee requirements, and lender guidelines, Fred helps simplify what can often feel like an overwhelming process, giving customers honest answers and realistic expectations from the very beginning.

What sets Fred apart is his belief that bankruptcy should never define a person's future. He understands that financial hardships can happen to anyone, and he approaches every customer with compassion, respect, and a commitment to finding the best solution for their unique circumstances. Whether he's working directly with a customer or collaborating with a bankruptcy attorney, his goal remains the same—to provide expert guidance and help people take the first step toward rebuilding their credit and their confidence.



For Fred, this business has never been just about selling vehicles. It's about restoring independence, creating opportunities, and helping people move forward with hope.