Legal Question in Credit and Debt Law in Texas

Collections on Totaled Car

Hello,

My car was totaled 3 months to this date and my car has yet to be completely paid off. My primary insurance comp paid off the cash value of my car but I also obtained gap insurance. The car dealership did not pay my gap insurance policy as they should have when I bought the car, so now three months later they are just now paying the gap insurance policy. Now I've been told that it will take an additional 4-6 weeks to settle the gap insurance and pay off my car. The car lien holder is now saying that I owe them three months of car payments b/c it is my responsibility to do so until the car is paid off. In my opinion, I have obviously been wronged by the dealership b/c this should have been paid in the beginning and this never would have gone this far. I also do not feel that the car lien holder made their best effort to get the dealership to pay the gap insurance policy. I'm thinking that I may need to pay the monthly payments the lien holder is saying I owe so the delinquent payments do not hit my credit report. Is it my responsibility to make those payments regardless of the fact that this process has taken an unreasonably long amount of time?

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