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quick gym you should not be putting a down payment at the dealership so when you go to the dealership and you want to sit down you want to ask them a quick question at the dealership and the question you want to ask them is do you guys participate in the truth and Linda Act 10 out of 10 they should say yes you want to know why because its the law so youre going out and looking for a car or getting a car youre doing something called a consumer transaction so when doing a consumer transaction there isnt supposed to be any cash or Finance charging valve right and ing to the law section 15 C us 1662 B there isnt supposed to be any down payment whatsoever no cash involved in the consumer transaction unless the Creditor sets the down payment their sales so listen guys they are utilizing these laws against you because people just dont understand how powerful these laws is its a bad battle and letting these car dealerships get away with what theyre doing but its cool they just dont k