<prompt> Human: So in 2012 my husband who was 22 at the time decided to finance a Dodge Challenger... the next day when his insurance agent got back to him with his monthly insurance quote for the car he decided to take it back because it was the price of his car note. The salesman that my husband had been dealing with the day before had told my husband he already sent the paperwork off and they couldnt take the car back. My husband was upset and stupidly thought if he left the car there at the lot they would be able to somehow undo the purchase. The weekend passed and the following Tuesday the manager of the dealership called my husband and told him that the paperwork was sent Monday day before the manager called... 4 days after my husband left the car. So my husband went to a different dealership and got a different car. Now present day we recently tried to get a new car under his name and was denied. They said that the challenger was repossessed from my husband but when we called the finance company they had stated the car was picked up at the dealership that it was left at. My husband didnt make any payments obviously and we are wondering if we can even fight this debt? How would we go about it? He refuses to pay any collection agency because in his mind its not his debt. The car salesman lied to my husband, Im assuming for commission.  <response>: Your husband is 100 in the wrong here. If it were possible to be more than 100 wrong he would be that amount wrong. He refuses to pay any collection agency because in his mind its not his debtThen he will just get sued and they can garnish his pay check or levy his and I presume yours as well bank account. 