<prompt> Human: I recently purchased my first car out of college from a Chevy dealership. I put 5000 down and financed the rest through my bank 32,700 I was already pre-approved and since the dealership was a preferred dealership, all I had to do was bring in the loan offer letter and sign the paperwork. I did this, and drove off in my new truck. A month down the road, I had yet to hear anything from the dealership or my bank about making my fist payment or registering my truck. I called into the dealership and asked to speak to someone in finance. I spoke to someone, lets call him Jack, and he said he would look into it and get back to me. I then called my bank, who informed me that my loan offer was never accepted. When I told them that I brought it into the dealership and signed all the paperwork, they told me what had happened was the dealership never filed the paperwork in order to get their payment. They said there is 10 specific steps the dealership must follow listed on the approval letter in order to receive payment, and that the Chevy Dealership never followed any of them. By this time, the original loan offer had expired. Jack finally got back to me saying there had been a mix-up on their end and that I needed to get the loan offer extended. I talked to my bank and they said that this would not be possible and I had to file a new loan request. I did this expecting to receive the same result. Instead, I was denied a loan. The reason was there was a delinquent healthcare bill which was supposed to be sent to my insurance, but for some reason never was. I got this all taken care of with the company that billed me, and they told me I could disregard the bill. I got this in writing from them and started the dispute process with the credit reporting companies in the middle of last month. They told me it would take 30-90 days before it was all settled and taken off of my credit report. In the meantime, I tried going through another local credit union as per the advice from my bank in order to get an approval. They told me that if I explained the situation and provided the letter from the healthcare company, they would be able to push through the financing. When I was talking to the guy at the Credit Union, he told me this shouldnt be a problem and they dont even care about healthcare bills. Feeling reassured, I opened a savings account with them necessary for applying for a loan and submitted a loan application. However, this also did not work, as they were unable to approve me for the necessary amount. Since the dealership signed the paperwork for the set price and the set rate, I believe that they are now responsible for finding me financing at the terms that were originally agreed upon. I need any and all advice you can give. Should I get a lawyer? Did the dealership break the contract by not following through on their end? Help me please, this has been an absolute nightmare.  <response>: There is almost certainly a clause in the contract that if you are not able to obtain financing the deal is voided. You probably need to return the car. You may want to also ask on raskcarsales. Also, I know this isnt the topic, but I have some questions about the wisdom of purchasing a 38k car right out of college. 