I don't know what state you live in, but I believe to unwind the deal, they must make you whole again. That is, you came in with a car and they must return the car or pay the agreed trade-in amount. Hopefully, the contract has the additional $400 they "gave" you as a trade-in. They'll owe you the $2900.00. The problem is, there may be fees associated with turning the car back in. It's probably worth $75 to $150 to spend an hour with a lawyer to review the contract. Do not be talked into filing a lawsuit. It's unnecessary. You have to talk to them. It's not going to get better on it's own. Be calm, nice and business like.