DEALERSHIP CONSUMER LAW
The Dealer Misled You.
You Have Legal Options.
Our attorneys handle dealer fraud, yo-yo financing, hidden fees, misrepresented vehicles,
and warranty violations under federal and state consumer protection laws.
Free case review — no obligation, no upfront fees.
Help with dealer fraud, spot delivery scams, add-on fee abuse & more.
Dealership consumer law attorneys in all 50 states.
Fill out the form for an immediate call back from a legal representative!
Dealership Consumer Law Attorney
The Dealer Had the Paperwork, the Financing, and the Pressure. Now You Have a Lawyer.
Car dealerships operate in one of the most legally complex consumer environments in the country. The transaction involves a purchase contract, a financing agreement, trade-in valuation, warranty terms, and often add-on products — all presented simultaneously, under time pressure, with the dealer holding all the information advantages. Mistakes and deliberate deceptions are common, and most buyers don't discover them until weeks or months after driving off the lot.
Federal law — including the Truth in Lending Act (TILA), the FTC Used Car Rule, and the Magnuson-Moss Warranty Act — along with state consumer protection and lemon law statutes give car buyers meaningful legal remedies. Many violations require the dealer to pay your attorney fees, making legal action viable even on smaller amounts. A free case review can identify what happened and what options are available.
Free consultation. Flat-fee and legal plan options available. Dealership consumer law attorneys in all 50 states.
No retainer required to start.
-------
Free Case Review — No Obligation
Federal & State Consumer Protection Law
Dealership Fraud Attorneys in All 50 States
-------
⚠️ Signs You May Have a Case Against a Dealership
Most Buyers Don't Realize They Were Defrauded Until It's Too Late
The dealer called you back after purchase to say financing fell through and demanded a higher rate or larger down payment (yo-yo financing)
The vehicle's history — prior accidents, flood damage, mileage rollback, or salvage title — was concealed or misrepresented
Add-on products (extended warranty, GAP insurance, paint protection) were added to your contract without clear disclosure or consent
The interest rate, monthly payment, or total loan cost on the final contract differed from what was agreed verbally or on a worksheet
Your trade-in was undervalued, and the payoff amount applied to your new loan was different from what was disclosed
Warranty coverage was described verbally as broader than the written terms, or a warranty claim was wrongfully denied
The vehicle has had recurring defects that the dealer or manufacturer has been unable to repair after multiple attempts
A free case review can identify whether what happened qualifies as a legal violation — and what you can recover.
Dealership Fraud Types We Handle
From a Single Undisclosed Fee to Systematic Financing Fraud
Yo-Yo Financing
Dealer lets you drive home, then calls days later to say financing was denied and demands a higher rate or larger down payment. This practice is illegal in most states.
Vehicle History Concealment
Selling a vehicle with undisclosed prior accidents, flood damage, mileage tampering, or a salvage/rebuilt title without proper disclosure violates federal and state law.
Unauthorized Add-Ons
Products added to your financing contract — extended warranties, GAP coverage, paint sealant, tire protection — without your informed written consent are legally recoverable.
Interest Rate & Payment Fraud
Dealer markup on financing rates, payment packing (spreading costs to obscure the real rate), or changing terms between the worksheet and the final contract.
Title & Odometer Fraud
Selling a vehicle with a branded, salvage, or lemon law buyback title without disclosure, or with a rolled-back odometer, violates federal law with mandatory damages.
Warranty Misrepresentation
Verbal warranties that contradict written terms, denied warranty claims without valid basis, or failure to honor manufacturer warranty obligations are all actionable.
Trade-In Fraud
Misrepresenting the payoff amount on your trade-in, applying less than disclosed to your new loan, or deliberately undervaluing the trade to inflate dealer profit.
Lemon Law Violations
Vehicle with recurring defects that the manufacturer or dealer has failed to repair after a reasonable number of attempts may qualify for replacement or refund under state lemon law.
Advertising & Price Fraud
Advertised price not honored at the dealership, bait-and-switch on advertised vehicles, or dealer fees not disclosed in the advertised price.
What a Dealership Consumer Law Attorney Does
You Shouldn't Have to Fight a Dealership's Legal Team Alone
Contract & Document Review
Examines your purchase agreement, financing contract, and all add-on disclosures to identify violations — TILA, FTC, state UDAP, or lemon law.
Demand Letters
Sends formal legal demand to the dealership, manufacturer, or finance company — often enough to resolve the matter, recover add-on fees, or unwind the transaction without going to court.
Litigation
Files suit in federal or state court when necessary. Many consumer protection statutes require the dealer to pay your legal fees if you win — making litigation viable regardless of the amount at stake.
Damages Recovery
Pursues actual damages, statutory damages, and in some cases rescission of the entire transaction — getting you out of the contract and recovering what you paid.
Regulatory Complaints
Files complaints with the FTC, CFPB, state attorney general, and DMV where applicable — adding regulatory pressure alongside civil action.
Lemon Law Claims
Handles the full lemon law process — documenting repair attempts, issuing the required manufacturer notice, and pursuing replacement, refund, or cash compensation.
⚖️ Your Legal Service Options
Choose the Model That Fits Your Situation — Free Consultation Helps You Decide
Legal Plan
From $26.95/Month
Ongoing attorney access covering dealership disputes plus any other personal or business legal matter. No retainer, no hourly fees for covered services.
Best for: Ongoing legal needs, families, multiple matters per year.
Flat-Fee Service
One Price Per Matter
A single defined task — demand letter to the dealer, contract review, add-on fee dispute — quoted before work starts. No hourly surprises.
Best for: One specific task, defined scope, known outcome.
Attorney Consultation
Hourly or Contingency
For complex fraud cases, lemon law litigation, or high-value transactions. Many dealership fraud cases qualify for attorney fee recovery under TILA or state UDAP statutes.
Best for: Complex cases, lemon law, high-value claims, litigation.
Why Request Legal Service
Dealership Consumer Law Attorneys. All 50 States. Free Consultation.
Auto & Consumer Law Specialists
Attorneys with specific experience in TILA, FTC Used Car Rule, Magnuson-Moss Warranty Act, and state lemon law and UDAP statutes.
Plans From $26.95/Month
Legal plan members get ongoing attorney access covering dealership disputes and all other legal matters — no retainer, no hourly billing for covered services.
10-Minute Callback
Submit your details and a legal representative calls back within 10 minutes during business hours to review your situation.
All 50 States
Lemon laws and UDAP statutes vary significantly by state. Having an attorney who knows your state's specific rules and timelines is critical to your case.
Fee Recovery in Many Cases
TILA, lemon law, and state UDAP statutes often require the dealership to pay your attorney fees if you prevail — making legal action accessible regardless of the amount at stake.
Confidential from the First Call
All case details stay protected. Attorney-client privilege applies from the first consultation regardless of which service model you choose.
❓ Common Questions About Dealership Consumer Law
"I already signed the contract — is it too late?"
-----
Not necessarily. Many consumer protection violations give you the right to rescind (cancel) the contract or recover damages even after signing. TILA violations have a 3-year rescission window for certain transactions. State lemon law and UDAP claims have their own statutes of limitation, typically 1–4 years from discovery. A free case review will tell you where you stand.
"The dealer says the contract is final and there's nothing I can do."
-----
That's what dealers tell every buyer. A signed contract doesn't waive your rights under federal or state consumer protection law. Dealers cannot contractually override TILA, the FTC Used Car Rule, lemon law statutes, or state UDAP protections — those rights exist regardless of what the contract says.
"I can't prove anything — it was all verbal."
-----
Written contracts often contain the evidence themselves — discrepancies between worksheets and final contracts, missing required disclosures, or add-ons that appear without documentation. An attorney reviews the paperwork for violations that don't depend on proving what was said verbally.
"My vehicle qualifies as a lemon — what's the process?"
-----
Lemon law requirements vary by state but generally require a minimum number of repair attempts or days out of service within a specified period. Before filing, you typically must notify the manufacturer directly. An attorney handles the entire process — documenting repair history, sending required notices, and pursuing replacement, refund, or cash compensation.
"Do I have to pay a lawyer to fight the dealership?"
-----
The free case review costs nothing and creates no obligation. Many dealership fraud cases — particularly TILA and lemon law claims — allow attorney fee recovery from the dealer if you win, meaning the dealer pays your legal costs. A legal representative will explain which fee arrangement fits your specific situation.
"What if the dealership is out of business or the car was bought as-is?"
-----
"As-is" sales have limits — they do not protect dealers from fraud, title misrepresentation, or odometer violations. If the dealership has closed, claims may still be possible against the manufacturer, finance company, or prior owner. A case review will identify what options remain based on your specific facts.