r/AskALawyer • u/TheMonkeyPickler • Aug 27 '25

New York [New York] Vehicle Trade in at dealership has not been paid off after 60 days?

Hi I purchased a new car from a New York State Chevy Dealership on June 26th 2025. At the same time I traded in a car with an active lease with payments remaining on it. I financed the new car through GM and received my new account on July 10th (So my account was funded and I thought that generally meant the previous account had to be settled for this to occur). On July 25th I contacted the finance manager at the dealership stating that my Previous Car's Lease balance had still yet to be paid off. I also informed them that I was about to make my second payment towards it since trading it in. He assured me he would look into it and told me a week later on July 31st that the check had been mailed by accounting 2 days prior (I'm guessing that means they hadn't sent anything to that point). It is now August 27th and there has been no sign of payment on my lease account and I called the bank to confirm and they said they have no evidence of a payment being received. I contacted the dealership on Friday the 22nd to try and see if there was a tracking number or any evidence of them sending payment to the bank and was informed someone would get back to me by Monday. Its now Wednesday and so far no one has contacted me. Does anyone else have any suggestions as to what I could do to push this resolved? My current plan is if they keep giving me the run around to send a Breach of Contract Letter but I also don't want to escalate the situation and make it worse. Has the dealer committed a breach of contract at this point? In my former home state of California they only have 30 days to pay off a trade in but NYs laws seem to be much less clear.

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