Repo Man vs Creative Finance

The Repo Man Came for Her Truck Every Day — Until Evan Stepped In

Every morning, the repo man showed up to shake her gate, just waiting to take her truck—the same truck she needed to get to work. If she lost it, she’d lose her job. If she lost her job, she’d lose everything.

Six months earlier, her husband had taken his own life, leaving her alone in a house she owned free and clear—but still drowning in mounting debt from a credit card at nearly 30% interest and monthly expenses she couldn't keep up with on her own. Every offer she received on her home was a gut punch... $250,000 to $300,000 being nowhere near the $450,000 it was worth in current condition.

The agent wasn’t sure what to do, but he had seen creative deals before and he knew who to call: Evan Ragsdale!

A Solution No One Else Offered

Evan explained. “We can go the cash offer route like everyone else talking at you, or I can do a lot better if you're willing to let me pay you some now, some later.”

"Then let's talk," she said.

They sat down together and listed out her debts, one by one.

“What if I could pay these off,” Evan asked, “and give you a steady monthly income?”

She nodded. That’s exactly what she needed.

Evan structured a deal that worked:

• $30,000 upfront to clear her pressing debts. A fresh start!

• Stay in the home a few months after the sale to give her time to transition.

• The remaining $420,000 structured to be paid over 30 years, giving her steady income from the sale of the house.

More Than Just a Deal—A Lifeline

After losing her husband, trust wasn’t easy for her. But Evan made it clear: this was not just a business deal; it was also the right thing to do.

He even went further—offering to pay for her credit repair after closing. Not as part of the deal. Just because it was the stand-up thing to do.

Today, she still has her truck. She still has her job. And instead of being trapped under the weight of debt, she has a fresh start and a monthly stipend.

Why This Matters for Agents

Some real estate agents believe creative finance is a loophole or a trick. The truth? It’s often the only ethical solution left when traditional real estate fails sellers.

Agents don’t need to know how to structure creative deals—but they should know where to turn.

Evan Ragsdale and Creative TC are those resources. Evan works in Tennessee, and Creative TC operates nationwide, helping agents close deals that would otherwise fall apart.

When sellers have no options, when cash offers are too low, when the MLS isn’t working—agents need a lifeline, too.

That’s what we do.

Now You Know Us - Get In Touch

If you’re an agent struggling with a tough deal, call us. Let’s figure it out together.

You can reach the real Evan Ragsdale on Instagram @creativefinanceguy Give him a follow and send him a message!

Call Creative TC at 307-429-2947, or visit at creativetc.io, on YouTube, Instagram, and Facebook.
Book a free call any time with Creative TC from the website.