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🚨 If you paid a down payment and financed your car, you were finessed. You can lawfully get that down payment back. Let’s start here, when you gave a down payment, you mixed cash with credit in a single transaction. Under federal law, that’s a violation. Because in truth, the “loan” was already funded by your signature, the promissory note, not the dealer’s “money.” They didn’t lend you anything; they simply converted your signature into an asset, deposited it, and booked it as income. ⚖️ The L
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