Buying a Car After Bankruptcy

If you've recently experienced bankruptcy, you might be under the impression that you won't qualify to purchase a quality car. Fortunately, that's not true. Life happens to us all, and our team at Utah Car Credit fully believes that everyone deserves a chance to get back on their feet and rebuild their credit profiles. One of the best ways to do this is by purchasing a vehicle and making the payments on time. We want to help you do this! That's why we've put together these bankruptcy FAQ's, and the answers!

Can I be approved for a loan after bankruptcy?
Absolutely! And unlike many dealers, we can even get you a loan prior to your 341 meeting. And even your bankruptcy has discharged, we can still help. Our team of specialists understands how to make things work for your personal situation.

What about Chapter 13 bankruptcy?
We can still work closely with you and your attorney to address the situation appropriately and obtain the needed authorization to all you to purchase a new or used vehicle.

Will my interest rate be less if I wait until my bankruptcy is discharged?

Not necessarily. This will often depend on your situation. Luckily our team of specialists can help to understand your current situation, and help get you competitive financing and rate reduction. 

Do I have to keep or re-affirm on my vehicle?

The answer is no! The sooner you can start to reestablish your credit, the better. 

Hopefully each of these answers are the good news you were looking for! At Utah Car Credit, our goal is simply to help. Our Rate Reduction Program is one of the ways we do this--allowing you to reduce your interest rate every three months as long as your payments are made on time. Learn more about us at www.utahcarcredit.com!

Truck Month at LHM Chevrolet in Murray

CHECK OUT OUR GREAT TRUCK MONTH OFFERS!  OFFERS END 3/2/2015.

PICK UP AN AWARD-WINNING CHEVY TRUCK DURING TRUCK MONTH! Chevrolet has "the most awarded pickup of 2014"1 so it's a great time to drive away in an award-winner! Combine Owner Loyalty offers with Truck Month incentives to get the vehicle you've always wanted. Come in during Truck Month and see what we have to offer!

2014 SILVERADO 1500 CREW CAB LT ALL STAR For current GM owners who trade in an eligible vehicle on select vehicles in stock the longest $7,250 TOTAL CASH ALLOWANCE + $750 OPTION PACKAGE DISCOUNT $8,000 TOTAL VALUE2 Shop Inventory

2015 SILVERADO 2500HD CREW CAB LTZ WITH DURAMAX PLUS PACKAGE For current GM owners on select vehicles in stock the longest $3,250 TOTAL CASH ALLOWANCE + $1,500 OPTION PACKAGE DISCOUNT $4,750 TOTAL VALUE3 Shop Inventory

2015 COLORADO Z71 CREW CAB For current GM owners on select vehicles in stock the longest $1,000 TOTAL CASH ALLOWANCE4 Shop Inventory

Available in most 2015 Chevrolet vehicles* A powerful, available built-in Wi-Fi® hotspot connected by OnStar with 4G LTE5

Larry H. Miller Chevrolet 5500 South State St. Murray, UT 84107 801-264-3300 www.larryhmillerchevrolet.com

1. Based on 12 months ending December 2014. 2. On oldest 10% of inventory as of 2/2/15 while stock lasts. For trade assistance, must trade in a 1999 or newer vehicle. For loyalty, must be a current owner/lessee of a 1999 model year or newer GM vehicle. Not available with lease, special finance and some other offers. Take delivery by 3/2/15. See dealer for details. 3. On oldest 10% of inventory as of 2/2/15 while stock lasts. For loyalty, must be a current owner/lessee of a 1999 model year or newer GM vehicle. Not available with lease, special finance and some other offers. Take delivery by 3/2/15. See dealer for details. 4. On oldest 10% of inventory as of 2/2/15 while stock lasts. For loyalty, must be a current owner/lessee of a 1999 model year or newer GM vehicle. Not available with lease, special finance and some other offers. Take delivery by 3/2/15. See dealer for details. 5. Requires compatible mobile device, active OnStar service and data plan. Visit onstar.com for details and system limitations. © 2015 General Motors. All rights reserved.

2015 Chevrolet Colorado Profile

A lot is already being said about the all-new 2015 Chevrolet Colorado. In fact, the new Colorado has been named Motor Trend's Truck of the Year! So what makes this mid-size truck so special? A lot of things! Your team at Larry H. Miller Chevrolet in Murray is here to share just a few.

In today's world, it's important to have a vehicle that is versatile and can deliver in any situation. The Chevy Colorado aims to do just that. It's size and efficiency is perfect for an urban environment, while its power and capability allows you to get things done and take advantage of what a great truck offers.

The Colorado comes available with features like:

• 27 MPG highway
• 4G LTE Wi-Fi connectivity
• 8-inch color touch screen
• 305 HP
• Rear vision camera
• Extended Cab, Crew Cab, or Long Box Crew Cab
• SiriusXM Radio
• Bluetooth
• 4-Wheel Drive
• And much more

Larry H. Miller Chevrolet in Murray is your home for manly trucks, and this one certainly fits the bill! Want to learn more about the 2015 Colorado? Come speak with one of our experts and find out which might be right for you!

www.lhmchevy.com

Bo's Manly Trucks Garage Makeover

"Hi, Bo here!

Larry H. Miller Chevrolet in Murray sells the manliest trucks around. That's why they decided to give away a Manly Garage Makeover, courtesy of Gorgeous Garage!

A nice new garage would be the perfect place to park a new 2015 Chevy Silverado, one of the manliest trucks around. With its rugged good looks, 12,000 lbs of Class-Leading towing, an efficient V8, innovative technology and utility, and much more, this truck has everything it takes to do more and take on anything.

If you want an extra dose of manly, check out the all-new 2015 Chevy Colorado, named the Motor Trend Truck of the Year! It comes with advanced technology to keep you connected, great fuel efficiency and unmatched safety and refinement. This truck is built to turn some heads!

So put down the bacon, comb your beard, and be sure to come down to LHM Chevrolet in Murray, Utah to check out the manliest trucks around. Oh, and don't forget to enter to win the Manly Garage Makeover!"

-Bo, the Manly Man.

www.lhmchevy.com
www.manlytrucks.com

Chevy Year End Event

As the sun sets on 2014, many of us pause to look back on the past and ahead to the future. The opportunity to start fresh is what January first is all about, and that includes the car you drive. Luckily, LarryH. Miller Chevrolet is making it easier than ever to start the new year with that new car smell.

The Chevy Year End Event is now underway, which means some of the best prices of the year on the models you've been eyeing for months. For a limited time, you can get a whopping 20% cash back on some of the hottest vehicles that have been in stock the longest.

Drive home the 2014 Chevy Impala LT, which U.S. News recognizes as one of the year's "Best Cars For the Money." Or enjoy 38 MPG highway with the super-efficient 2014 Chevy Cruze. Or climb behind the wheel of the high-performance 2014 Camaro SS. No matter which car you choose to drive into the new year, what could be sweeter than 20% cash back?

These are just a few of the deals that you can find as part of the Chevy Year End Event, so visit www.larryhmillerchevrolet.com now and find your 2015 ride.

2014 Business Vehicle Tax Benefits

Looking for the right vehicle for your business needs? Now might be the perfect time to buy! Here's why:

On Tuesday, December 16, 2014, Congress passed the Tax Extenders Bill which extends several 2013 tax benefits through the 2014 tax season, including raising the limit of the Section 179 tax deduction allowing small business owners to depreciate the full cost of their vehicle purchase the first year (rather than depreciating over a number of years). Prior to this bill, the maximum 2014 deduction was $25,000, but with the passage of this bill into law the limit increases to $500,000 for the 2014 tax year.

Section 179 expense increase. With Section 179 expensing, small and mid-size business owners could immediately deduct an amount used to obtain qualifying equipment rather than divide the deduction over time according to a depreciation schedule. Until recently, business owners could deduct up to a hefty $500,000 of qualifying assets. For 2014 (and beyond), the limit plummeted to $25,000.
 
Purchases - whether paid for in cash or financed - are eligible for tax benefits under Section 179, as long as the vehicle is received by December 31, 2014.

Contact Larry H. Miller Chevrolet Murray for more information about purchasing a new vehicle for your business!

FAQ's

Q. What is the Section 179 deduction?

A. Section 179 of the IRS tax code was designed as an incentive for business owners to invest in their businesses and the economy by purchasing equipment. It allows taxpayers to elect to deduct the full purchase cost of certain types of property (up to $25,000) from their federal taxes for the year the property was purchased.

Q. Which property qualifies under Section 179?

A. Most business equipment qualifies for the Section 179 deduction. This includes tangible goods like vehicles, machinery, computers, software, and office furniture. The IRS website has a full list of equipment that qualifies for the Section 179 Tax Deduction. To qualify more than 50% of the property's use must be in the service of a trade or business.

Q. How much can you deduct?

A. The amount you can deduct is generally equal to the purchase price of qualifying property up to $25,000. There are some limitations, including a $25,000 limit on the amount a small business owner can elect to deduct for the purchase of certain sports utility vehicles. There is also a limitation for businesses that purchase more than $200,000 in qualified equipment. The IRS website has a more detailed explanation of deduction limits.

Will the 2014 Section 179 dollar limitations change?

A. Lawmakers are considering an increase to the Section 179 dollar limitation, potentially retroactive to January 1, 2014. Keep an eye on our channels for possible updates.

*The information provided here is intended as a general overview of the Section 179 Deduction. You should always consult with a tax professional on business tax deductions

www.lhmchevy.com

Larry H. Miller Chevrolet Murray- Stocking Stuffer Givaway

OFFICIAL RULES

GIVEAWAY: On December 23rd, 2014, Larry H. Miller Chevrolet Murray will give away $500 in cash to one First Place Winning Entrant; one authentic Utah Jazz jersey to one Second Place Winning Entrant, and one Utah Jazz basketball to one Third Place Winning Entrant. Entries may be submitted beginning Dec 17, 2014 by scheduling and completing a vehicle test drive at Larry H. Miller Chevrolet Murray. No purchase necessary to enter or win.

ENTRIES: The Entry Period begins Dec 20, 2014 at 8:00 am MST and ends Monday, Dec 23, 2014 at 3:00 pm MST.

Participants may enter by scheduling and completing a vehicle test drive at Larry H. Miller Chevrolet Murray. One Submission per Participant, duplicate entries will not be valid. No mechanically or electronically reproduced entries will be valid or accepted. Larry H. Miller Chevrolet Murray shall not bear responsibility or liability for illegible, lost, misdirected, or late entries.

NO PURCHASE NECESSARY TO ENTER OR WIN. No payment, proof of purchase, or entry fee required to enter or win. Making a purchase does not increase chances of winning.

WINNING ENTRANTS will be randomly selected from the pool of entries submitted at time of test drive.  The first name to be randomly selected will be the Third Place Winning Entrant, the second name to be randomly selected will be the Second Place Winning Entrant and the third name to be selected will be the First Place Winning Entrant (collectively “Winning Entrant” or Winning Entrants”).  Each Winning Entrant and contacted via the information provided at the time of entry at Larry H. Miller Chevrolet Murray. Winning Entrants will have 24 hours to respond via email or telephone to claim their Prize. If Winning Entrant does not claim prize within 24 hours of notification, Winning Entrant may forfeit the Prize and a new winner will be randomly drawn for that Prize, and so on and so forth until the Prize is claimed by an eligible Winning Entrant.

PRIZES: $500.00 Cash Prize, cash value $500.   If, for any reason, Winning Entrant does not qualify to receive the Prize for which their name was drawn such Winning Entrant shall relinquish any and all rights to Grand Prize. Authentic Utah Jazz jersey, cash value $100.  Utah Jazz basketball, cash value $35.


TAXES AND CHARGES: Winning Entrants are responsible for all applicable taxes (whether local, state, federal, or international), surcharges, tariffs, duties, shipping and handling charges, and all other charges associated with Prize.

ELIGIBILITY: Employees and the families of employees of Larry H. Miller Chevrolet and Larry H. Miller affiliated companies are ineligible for participation. Incomplete or illegible entries, or entries received after Dec 23, 2014 at 3:01 pm MST are not eligible to participate or to win. This offer is subject to all applicable federal, state and local laws. ENTRANTS MUST BE 18 YEARS OR OLDER, A UTAH RESIDENT, AND HAVE A VALID UTAH DRIVER’S LICENSE. VOID WHERE PROHIBITED BY LAW.

WARRANTY: Larry H. Miller Chevrolet Murray nor its agents or affiliates assume any responsibility or liability for damages, losses, or injury resulting from Prize. Larry H. Miller Chevrolet Murray EXPRESSLY EXCLUDES ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANDISE OR FITNESS FOR A PARTICULAR PURPOSE. THERE ARE NO WARRANTIES OFFERED BY LARRY H. MILLER CHEVROLET MURRAY WHICH EXTEND BEYOND THE DESCRIPTION ON THE FACE HEREOF.

ODDS: Odds of being selected to receive a Prize depend on the number of valid Entries.

DISCLOSURE: Entry constitutes permission to disclose any provided information in an effort to comply with legally required disclosure, and/or for promotional and commercial purposes, except where prohibited by law. Winning Entrant must agree that Larry H. Miller Chevrolet Murray may use their likeness and image in print, radio, TV, social media outlets and website for promotional value. To obtain a list of winners send request to the SPONSOR, Saxton Horne Advertising 9350 S 150 E Ste 950 Sandy, UT 84070. Any information disclosed by Participant is not a disclosure to Facebook. Participant hereby acknowledge that the Contest is in no way sponsored, endorsed or administered by, or associated with Facebook or General Motors.