Spot Delivery and Yo-Yo Financing Lawsuit Filed in Parkville, MD

Whitney, LLP’s consumer rights lawyers filed a spot delivery and yo-yo financing lawsuit against a Parkville, Maryland car dealership after they sold our clients’ trade-in before financing was approved. In a violation of Maryland’s spot delivery law, the dealer also failed to notify our clients within 4 days when financing was not approved, and forced them into signing another finance contract with worse terms.  Because the trade-in had been sold, our clients felt tremendous pressure to sign the new contract because they had no other car to use for transportation.

After our clients found Whitney, LLP online, we filed a lawsuit for them and quickly got them the money back for their trade. The dealership also paid our attorneys fees and case expenses, based on Maryland law.

If you have been cheated by a car dealership, Call Whitney, LLP – Our lawyers help car buyers fight back and unwind unfair deals from dishonest car dealerships. Consultations are always Free – 410 583 8000. Here are some past results in our cases against car dealerships.

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Don’t Feel Helpless When You are Cheated – Call Whitney, LLP

Car dealerships try and cheat almost everyone. They are usually very good at because they have a lot of practice and because most buyers do not know the law. However, Whitney, LLP’s lawyers do know Maryland law, and use it to unwind bad deals and help our clients recover compensation from dishonest dealerships. Here is a recent blog about the Top 10 Dealer Scams that we help car buyers with.

Can The Dealer Sell My Trade-In Before Financing Is Approved?

No, the dealership cannot legally sell your trade-in before financing is approved. However, many dealers do this because they know that if they sell your trade-in, the car buyer will feel tremendous pressure to buy a car simply because they need transportation.

Whitney, LLP’s auto fraud lawyers have represented many clients in Maryland where the dealer sells the trade-in before financing is approved, does not tell the customer that financing is not approved, or tells the customers that they are keeping a down payment when financing is not approved. Dealers often behave illegally when trying to finance a car deal simply because most consumers do not know their full legal rights.

Whitney, LLP’s attorneys regularly represent car buyers against Maryland dealerships and unwind bad bad deals, get buyers their money back, and recover compensation for unfair practices. Under Maryland law, we are allowed to recover our attorney’s fees and expenses from the dealership, meaning that our clients do not pay anything out of pocket.

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Daniel W. Whitney, Sr. and Daniel W. Whitney, Jr. of Whitney, LLP

Lawyer for Spot Delivery and Yo Yo Financing Claims Against Dealerships

After finding Whitney, LLP’s attorneys online, our clients hired us to represent them.  Within 30 days after we filed the lawsuit alleging violation of Maryland’s spot delivery law, the case settled. Our clients received the full value of the trade-in that had illegally been sold, and all attorney’s fees were paid by the car dealerships. 

Many dishonest dealerships do not tell their customers when financing is not approved because they want to keep working the deal to try and make a sale. However, Maryland’s spot delivery law requires dealerships to inform customers, in writing, within 4 days, if financing is not approved, and to return down payments and trade-ins immediately.

Call us at 410 583 8000 for your Legal Consultation.


“When others did not want to take my case Whitney, LLP was willing. Dan was very very patient with me and his communication was always on point no matter how he reached out. He helped me and my family start our lives all over, I thank him so much.”

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“I would definitely recommend this firm. I contacted them just to get some insight and I was informed that I indeed had a case, and they won! Any questions or concerns I had were answered and explained clearly. They were very kind and informative throughout the whole process. I am very grateful that I stumbled across their page, it has changed my life. Thank you.”

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An attorney-client relationship is created only once a representation agreement is signed. Prior results are not a guarantee of future results, and all cases are different. This website does not provide legal advice.


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