....but if a fat commission check rests on the $30,000, getting the response "Great! Where do I sign?" it is like manna from heaven. Everyone wins and the transaction couldn't have happened without participation of BOTH parties.
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Again, personal responsibility lies with the buyer. A car dealership is in the business to sell cars. As long as the customer's credit meets the qualifications and there is no fraud involved, the dealer should not be in the business of policing how a person spends their money. What do you want, a nanny state?