Post

Ruth and Roman both had big hearts. They raised four kids, Susan, Helen, Frank (my father), and Mary Ann. They built a car dealership, a finance company, endowed churches, founded clubs and created a mid-century modern picture of success, pillars of the Polish Catholic community in Phoenix.

A couple of years ago, handling the affairs of the Sarwark family businesses became my responsibility. The timing was not great: the auto industry is past its peak, buy-here, pay-here auto financing in Arizona is less viable than ever before due to some legal changes in the debt collection laws.

Fascinating history! I suspect the "buy here, pay here" model has always entailed pretty high repo overhead. I only financed a car that way once, and made my payments ... but the car I bought had just come back in from a previous buyer who didn't.