Lease Buyback Deficiency Balances Based on Opaque Auction Sale Prices
A lessee returned a lemon-law-qualifying vehicle to the finance company, which then auctioned it and billed the lessee a deficiency balance far above the vehicle's book value, while also reporting a repossession on their credit. This reflects an information gap: lessees have no visibility into or recourse against the auction values used to calculate what they owe.
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