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You absolutely have recourse against the dealer! They are in breach of contract. What you want to do is raise the stakes on them. Send them a certified, return receipt requested letter detailing the history and their default, and demand they pay the bank in full and take any and all actions with all the credit agencies necessary to notify them and to cause them to rescind any negative credit actions against you. Inform them that if they do not comply with your demands within a short specified period of time, you will have no choice but to file a suit for your damages. BUT, be sure to specifically mention that if forced to file the suit, you will be filing this claim not only as a breach of contract case, but also as defamation, fraud and deceptive trade practice causes of action, which will entitle you not only to your damages, but also an additional amount equal to multiple times your actual damages as punitive damages. That should provide plenty of incentive to comply with your demands; but, if it does not, file your suit. Even if you have to file the suit, that's likely all you will need do. In my experience, they will comply with your demands without a hearing rather than risk punitive damages and the judgments being on the record.
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First, write the letter as it's likely to get this resolved for you without the suit and the need to engage a lawyer. If it does not, then you'd want to engage a lawyer to file the suit. Given the facts, you will be able to recover your legal fees. Under my terms of service with JustAnswer, I'm not allowed to make a specific recommendation, but I can give you direction. You would want to either contact the state bar association or your nearest law school for a referral. I prefer the latter because they take great pride in their graduates and will take a more personal interest in making sure your referral is a good one because it will be a reflection of the school. But, this is not a complicated case so you would only need a 1-2 year lawyer rather than a more experienced lawyer with the higher billing rate that comes with that experience.
In your demand letter, include a demand for the amount of cash you want them to pay you to avoid the suit. That's certainly acceptable.
A consumer protection lawyer. :)
Your demand letter will include the demand that they remove any negative credit report and the repossession so that there will be no record of this.
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