Dan's Carworld v. David Serian holds car dealers must comply with the West Virginia Consumer Credit and Protection Act when they pay off a loan and attempt to recoup money from the buyer:

When a consumer purchases a motor vehicle from a dealership, and the dealership accepts the trade in of another motor vehicle as payment, or partial payment, of the purchase price of the vehicle being purchased, subsequent efforts by the dealership to collect from the consumer any amounts due the dealership by virtue of the dealership's payment of the loan secured by the trade-in vehicle must comply with the West Virginia Consumer Credit and Protection Act, codified in Chapter 46A of the West Virginia Code.

http://www.state.wv.us/wvsca/docs/Spring09/34146.htm