I've made payments on time for three years never late Feburary 18 was my final payment it was a balloon payment I wasn't able to come up with the amount. The the dealership leased me a used car I was paying 220.00 dollars ever two weeks for three years. I paid them 495.00 to surrender the car I got a receipt today that the lump sum payment was made in full I didn't make that payment but still got a receipt for it saying it was paid off
Now is the time to schedule an appointment with a qualified Attorney to review the lease-to-own contract and the receipt you are referring to. It is unclear in your question as to what the receipt actually indicates. If it acknowledges you indeed paid off the contract, then why did you surrender the car? The receipt may simply indicate that you have fulfilled all your duties under the lease provisions (ie; made the lease payments), but did not complete the "purchase" provision of the contract which is the residual "balloon payment" in the contract. Without having the opportunity to review the actual documents would anyone be able to truly explain to you where you currently stand.
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You need to retain an experienced AZ litigation to determine what your best options are and put a stop to the "bleeding."Use AVVO's Find a Lawyer tool to select a qualified attorney. Good luck. THIS IS NOT LEGAL ADVICE! YOU NEED TO SPEAK TO AN ATTORNEY WHO IS LICENSED IN YOUR STATE FOR LEGAL ADVICE. This is merely suggestions for you to think about in discussing your situation with the local attorney.
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Wailand attorney would be helpful your first step I think is to get a full explanation from the dealer and try to get it in writing
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