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                                                                    Exhibit 10.6


                            ASSET PURCHASE AGREEMENT
                            ------------------------

         This Asset Purchase Agreement ("Agreement") made and entered into as of
the 1st day of October, by and between First Consumer Credit, L.L.C. ("Seller"),
a Texas limited liability company, with offices located at 12740 Hillcrest Road,
Suite 240 Dallas, Texas 75230, and Home Credit Acquisition, Inc. ("Buyer"), with
offices located at 750 State Highway 121 Bypass, Suite 170, Lewisville, Texas
75067.

                                    RECITALS:
                                    ---------

         WHEREAS, Seller and Buyer are parties to that certain Agreement and
Plan of Merger (the "Merger Agreement") which provides for the merger of Buyer
into Seller (the "Merger");

         WHEREAS, Section 2.6 of the Merger Agreement contemplates the sale of
at least $1.2 million of Retail Installment Obligations by Seller to Buyer prior
to the Merger; and

         WHEREAS, the Seller desires to sell to Buyer, and Buyer desires to
purchase from Seller, certain Retail Installment Obligations upon and subject to
the terms set forth herein.

         NOW, THEREFORE, in consideration of the foregoing and the covenants
contained herein, the parties hereby agree as follows:

                                    AGREEMENT

         1.  Definitions. Whenever used herein, the following words and phrases
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shall have the following meanings:

         "Including" shall mean including without limitation; and references to
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agreements shall include all Attachments and schedules and, unless otherwise
indicated, all amendments and modification thereto.

         "Obligor" means, with respect to any RIO, the customer or customers
          -------
thereunder and / or those persons or entities obligated thereunder.

         "Person" means any individual, corporation, partnership, joint venture,
          ------
association, joint stock company, trust (including any beneficiary thereof),
unincorporated organization, or government, or any agency or political
subdivision thereof.

         "Retail Installment Obligation" ("RIO") means the retail installment
          -----------------------------
contract and the document or documents which evidence the obligations of the
Obligors to pay for the home improvements sold and/or installed by Seller's
assignors, such term includes the retail installment contract, work order or
purchase contract, notices of rescission, completion certificates, promissory
notes and security interests, if any. "RIO" shall represent both singular and
plural, meaning one retail installment contract or multiple retail installment
contracts, as the context so indicates.

         2.  Sale and Purchase of RIO. Seller hereby sells, transfers, assigns
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and conveys to Buyer, and Buyer hereby purchases from Seller, the following:

         (a) all of Seller's right, title and interest in and to the RIOs as set
             forth on the list attached hereto, including all payments of
             principal and interest thereon which are not posted by

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             Seller on or before the applicable cut-off date as may be agreed
             upon by Buyer and Seller (in each case, a "Cut-Off Date");

         (b) all liens or security interests relating to or created by such RIO;

         (c) all of Seller's rights with respect to any escrowed or impounded
             amounts respecting such RIO;

         (d) all of Seller's rights to insurance proceeds or insurance policies
             relating to such RIO or the underlying real or personal property;

         (e) all of Seller's rights, privileges, and remedies relating to such
             RIO;

         (f) all documents, agreements, notices, instruments and assignments of
             any kind relating to the RIO;

         (g) all of the items described more fully in Section 4; and

         (h) all proceeds of any of the foregoing;

         No liabilities or obligations of Seller under or relating to any RIO or
otherwise are being assumed by Buyer hereunder, nor shall any such liabilities
be assumed by Buyer by virtue of entering into this Agreement or purchasing any
RIO.

         3.  Purchase Price And Method Of Payment. In consideration of the
             ------------------------------------
transfer to the Buyer of a RIO, the Buyer agrees to pay to the Seller the
principal balance of each RIO plus accrued interest. A complete listing of all
RIO purchased including outstanding balance and accrued interest is attached
hereto. Any payments received by Seller prior to the date of closing that have
not been credited in the foregoing calculation shall be credited to Buyer.
Payment of the principal balance plus any unpaid accrued interest on the RIO up
to the Date of Closing shall be made at or on the Date of Closing. All payments
shall be made to the Seller via wire transmittal. Payment in the amount of
$1,414,682.73 has been delivered to Seller, the receipt and sufficiency of which
is acknowledged by Seller.

         4.  Further Conditions Precedent to Each Purchase. Buyer shall receive
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on or before the date of purchase, in form and substance reasonably satisfactory
to Buyer, Seller's complete original file with respect to each RIO to be
conveyed to Buyer, including:

         (a) The credit application completed and signed by the Obligor(s);

         (b) The original of each retail installment obligation, note, or other
             evidence of indebtedness, mortgage, trust deed, security agreement
             or other security instrument pertaining to each RIO.

         (c) Duly executed assignments and notices of assignments (each, an
             "Assignment") of any and all security interests, securing the
             obligations of the Obligor(s) under the RIO in a form sufficient to
             transfer from Seller to Buyer all of Seller's right, title and
             interest in the applicable security interests, satisfactory to
             Buyer and recordable as provided by law;

         (d) The work orders, rescission notices and completion certificates
             with respect to each RIO and the underlying sale of the home
             improvement goods and services, all properly executed and dated;
             and

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         (e) Seller's books, records, ledger cards, plus all certificates of
             title, appraisals, opinions or abstracts of title, certificates or
             policies pertaining to title insurance, hazard insurance, credit
             life or disability insurance, or any other certificate or document
             pertaining to the RIO.

         5.  Representations, Warranties, and Covenants of Seller. The Seller
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hereby represents, warrants and covenants to Buyer as follows:

         (a) Organization. Seller is a legal entity duly organized, validly
             ------------
             existing, and in good standing under the laws of the jurisdiction
             of its incorporation and has the corporate power to own its assets
             and transact the businesses in which it is currently engaged.
             Seller is duly qualified to do business, and is in good standing in
             each jurisdiction in which such qualification is required.

         (b) Title to RIO. Seller holds, and, at the time of the payment of the
             ------------
             purchase price, Seller will convey to Buyer, and Buyer shall be
             vested with, good, valid and marketable title to all of the RIO
             free and clear of all liens.

         6.  Further Representations and Warranties and Covenants of Seller.
             --------------------------------------------------------------
Seller further warrants and covenants with Buyer that:


         (a) Each RIO conveyed to Buyer is the legal, valid and binding
             obligation of the Obligor(s) thereunder enforceable against such
             person(s) in accordance with its terms;

         (b) Each RIO and the origination, collection and servicing practices of
             Seller respecting such RIO, do comply and have at all times
             complied with all relevant federal, state, and local laws,
             ordinances, regulations, orders or rulings, including any state or
             federal consumer protection act, truth-in-lending laws, installment
             lending or consumer credit sale laws;

         (c) Each home improvement applicable to each RIO was properly completed
             in accordance with all applicable federal, state, and local laws,
             ordinances, regulations, orders or rulings, any applicable
             door-to-door cancellation notices were properly provided to the
             Obligors, the price charged was fair, each Obligor has accepted the
             said improvement, and Seller has no actual or constructive
             knowledge of any dispute relating to any such home improvement;

         (d) Each real estate mortgage, deed of trust, mechanic's lien, UCC, or
             other security or lien instrument has been properly signed by each
             person purported to be an Obligor thereon, each mortgage or deed of
             trust has been properly notarized as required by applicable law,
             contains a correct and accurate legal description of the property
             improved or the goods provided, as applicable, and creates a valid,
             recordable and enforceable lien on the property. There are no
             forged or unauthorized signatures of any Obligor, or any guarantor
             or surety for such Obligor, and each Obligor was of full age and
             capacity to enter into the RIO at time of execution;

         (e) Seller is the sole owner of each RIO sold to Buyer. The transfer of
             the RIO to Buyer is valid and enforceable against Seller's
             creditors. The RIO shall not be subject to claims by dealers,
             contractors, sub-contractors, or other persons for participation or
             other interests in the RIO;

         7.  Repurchase and Indemnification. In the event of a breach of any
             ------------------------------
representation, warranty or covenant of Seller, Seller shall at Buyer's request,
immediately repurchase the RIO affected by the

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breach of representation or warranty by paying to Buyer the total purchase price
for such account, plus accrued interest at the RIO rate, plus expenses, less
actual payments received by Buyer after purchase. Said repurchase will be
without any representation, warranty or recourse on part of Buyer.

     8.  Waiver of Jury Trial / Choice of Law and Jurisdiction. Each of the
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parties hereto knowingly, voluntarily and intentionally waive any rights it may
have to a trial by jury in respect of any litigation arising out of, under, or
in connection with this Agreement or any attachment hereto, or any course of
conduct, course of dealing or statements (whether verbal or written) made by the
parties herein. The parties hereto agree that any dispute arising from this
Agreement or the matters discussed herein shall be governed under the laws of
the State of Texas. Venue shall reside in the State of Texas.

     9.  Further Assurances. Seller hereby agrees that at any time and from time
         ------------------
to time, at the sole expense of Seller, Seller shall promptly execute and
deliver all further instruments and documents, and take all further action that
may be necessary or desirable, or that Buyer may request, in order to perfect
and protect any security interest granted or purported to be granted hereby or
to enable Buyer to exercise and enforce its right and remedies hereunder with
respect to the RIO. The Seller further hereby agrees to provide Buyer with all
documentation necessary to record and assign each lien in favor of Buyer prior
to funding hereunder.

     10. Waiver. Buyer's failure to exercise any right hereunder shall not
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operate as a waiver of said right, and all rights, unless otherwise provided in
this Agreement, shall continue until all RIO have been fully paid and all
applicable statute of limitation periods have expired with respect to any RIO
under any federal or state law. All rights and remedies herein provided are
cumulative and not alternative.

     11. Notices. Any notice or communication required or permitted hereunder
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shall be in writing and personally delivered, telecopied, mailed by certified
mail, return receipt requested, or delivered by an overnight express courier,
addressed to Seller or Buyer, as the case may be, at the addresses set forth on
the first page of this Agreement.

     12. Severability. If any one or more of the provisions contained in this
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Agreement for any reason are held to be invalid, illegal, or unenforceable in
any respect, such invalidity, illegality, or unenforceability shall not affect
any other provision thereof and this Agreement shall be construed as if such
invalid, illegal, or unenforceable provision had never been contained herein.

     13. Termination. This agreement may be terminated at any time by either
         -----------
Seller or Buyer upon written notice to the other, provided, however, that such
termination shall not terminate the responsibilities of either party hereunder
to RIO purchased or commitments made to purchase prior to the receipt of such
notice.

     14. Counterparts. This Agreement may be executed in any number of
         ------------
counterparts and each of such counterparts shall for all purposes be deemed to
be an original.

     15. Construction. Wherever the context shall so require, all words herein
         ------------
in the male gender shall be deemed to include the female gender, all singular
words shall include the plural, and all plural words shall include the singular.

     16. Independent Contractor / Fiduciary Responsibilities. Seller and Buyer
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agree and understand that under no circumstances is Seller to be considered as,
or represent themselves as, an agent, employee or representative of Buyer.
Seller shall at no time represent to any person, agency or entity that it has
any relationship with Buyer other than one of independent contractor. Seller
shall have absolute discretion as to how it operates. Seller may not ever take
any action on behalf of Buyer that is not

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described herein. Buyer and Seller specifically intend and agree that neither
this Agreement nor the frequency, length, or closeness of dealings between Buyer
and Seller shall create any fiduciary duties between them.

     17. Limited Power of Attorney. Seller hereby irrevocably grants to Buyer a
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limited power of attorney authorizing Buyer to execute Seller's name on any RIO,
note, security instrument, deed, certificate, assignment, check, draft or other
document in order to reasonably carry out the intent of the parties hereto,
subject to the terms and conditions of this Agreement.

     18. Confidentiality. Buyer, its agents, directors, officers, affiliates,
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successors, assigns and representatives agree that Buyer shall maintain
information arising under this Agreement regarding Seller's relationship with
any home improvement contractor ("information") in strict confidence, shall not
communicate, disclose or make available all or any part of the information to
any person(s) or entity without the prior written authorization of Seller, and
shall use its best efforts to prevent inadvertent disclosure of all or any part
of the information to any third party or competitor. Buyer further agrees that
it will not exploit, commercially or otherwise, or appropriate for its or any
other person or entity's use, or reproduce in any form, all or any part of the
information other than as anticipated to carry out the intent of this Agreement.

     IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the day and year first written above written.

SELLER:                                     BUYER:

FIRST CONSUMER CREDIT, L.L.C.               HOME CREDIT ACQUISITION, INC.


By:        /s/ James D. Borschow            By:          /s/ Murray H. Gross
   -----------------------------------         ---------------------------------
   James D. Borschow, President                Murray H. Gross, President

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