Free analysis · Letter $29 if you choose
Dealer Hasn't Paid Off Your Trade-In? Demand It — With the Law Attached.
Your contract promised the payoff. California gives dealers 21 days (Veh. Code §11709.4) — and backs you with a $50,000 dealer bond (§11711). Upload your purchase contract and get a finished, send-ready demand packet under your own name.
Everything up to your result is free — no signup, no card.Personalized letter: one-time $29, only if you choose.
What your free check finds
ExampleUnpaid trade-in payoff— AMOUNT AT ISSUE
21-day deadline lapsed (CVC §11709.4)
Late fees billed on the old loan— AMOUNT AT ISSUE
Flow from the dealer's nonperformance
$17,302 demanded in this example
How it works
Upload Purchase Contract
The purchase/trade-in contract showing the payoff promise — you can attach your old loan's latest statement in the next step
Contract Check
Payoff clause, amounts, and dates extracted
Deadline Match
Days elapsed vs. the statutory 21-day rule
Demand Packet
Demand letter + AG complaint + bond claim
Your Dealer's Obligation Under California Law
The Payoff Promise
The clause obligating the payoff is quoted in the demand — the dealer argues with their own paperwork.
Your Purchase Agreement
21-Day Payoff
California requires the dealer to pay off your trade-in's outstanding loan within 21 days of purchase.
CVC §11709.4
Double-Payment Charges
Interest, late fees, and payments billed on the old loan after the deadline are demanded back with the payoff.
Accrued Since Deadline
$50,000 Dealer Bond
Failure to pay off a trade-in is an express ground for a claim against the dealer's surety bond.
CVC §11711
AG Complaint Ready
A ready-to-file consumer complaint draft ships in the packet — escalation the dealer can see coming.
CA Attorney General
Late Marks Disputed
Late payments caused by the dealer's failure can be disputed with the credit bureaus, who must investigate within 30 days.
FCRA
Free analysis — no signup, no cardPersonalized letter $29, only if you choose
Free analysis · Letter $29 if you choose