Legal Question in Consumer Law in New Jersey

Re: Auto Purchase

try calling an attorney who sometimes answers questions on this website, who may be able to help. this website does not let me post his phone number.

Glen Chulsky, Esq. of Ledgewood NJ. you will have to look up his phone number.

good luck to you.

Re: Auto Purchase

This sounds like a variation of a scam which is usually not quite criminal but often amounts to consumer fraud. The dealer will offer a vehicle with dealer-arranged financing for which the buyer either cannot or will not qualify. Later, pressure is placed on the buyer to change financing, often on much poorer terms. It would not surprise me to find that there is a sweetheart relationship between the dealer and the lender such as the dealer getting low interest financing for his own inventory in exchange for arranging high interest loans for customers. Since there is little loyalty in auto sales business, the dealer doesn't mind screwing the customer.

An alternative occurs when the dealer never has good title and and "sells" something that he doesn't own. Then, if he can't get title after the sale, the excuse is that the finance company didn't approve the deal. Depending on why the dealer didn't have title, that may be criminal or it may just be a civil fraud.

With respect to your options, a lot depends on who has the title at this moment. If you have it, your options are very different than if you do not. You need to guard against the appearance that you have taken the car and not paid for it. You also need to be sure that your credit is not damaged. All of that means that you should find a lawyer who is familiar with such transactions. I don't recommend that you bring the car back until you do that but you must to it reasonably quickly to keep things from becoming complicated.

My firm handles matters of this type. If I can be of further help to you, call or email.

See also: http://info.corbettlaw.net/lawguru.htm