Absolutely. First thing Monday morning, go to your local small claims court and start a suit. Enough time has passed. It's open and shut.
For the 3K so you can make the payment plus any incidental provable money damages....actual losses. You are not going to recover for the emotional upset.....those kinds of damages are not recoverable in a contract matter....sorry.
If he hasn't paid off your trade, the finance company is going to be after you sooner or later, unless I am misunderstanding the facts. If so, please clarify.
Incidental......if you incurred additional charges or interest since he didn't pay off the trade, etc.
THERE IS NO REASON FOR YOU TO BE HAVING NEGOTIATIONS WITH THE FINANCE COMPANY ANY MORE. THE DEALER SHOULD HAVE PAID OFF THE TRADE! Bring the suit.
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