another dealership screwing.

That is for sure messed up. What that guy may not realise is that he might have a problem getting financed for another truck. It takes a minimum of 30 days and up to 90 days for credit reporting updates. So when he goes to buy, his credit might not qualify seeing as the payments on the truck he took back could hang over his head for 3 months. He might think that it all ended with taking back the truck but he may have more headaches to come.