I haven't read all 58 posts, however, has the dealer offered to compromise here at all, or are they still using the same trade-in amount - regardless of what the actual payoff was? I'd ask how much money they made/lost on the deal, and you probably won't get that w/out getting legal counsel involved. Most dealers try to make about $10K on a trade-in for a new car. They try to make about $4K on the front end, and about $6K on the flip. This is absurd, and the moniker "stealership" is certainly well deserved.