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This happened to me and a friend, it's BS plain and simple. They hope to first sell your trade in before they pay out of pocket for it and you take the hit on your credit! Lucky for me mine was paid ahead so I had a little cushion before things got ugly. I called the manager at the dealership and it got paid the same day. Unfortunately you will have to make that call and stir the pot to get it resolved, make sure you tell them that if your credit gets hit THEY will have to get it resolved for you and make sure they do.
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