In this scenario "the trade in value" itself will pay off your outstanding debt of $5000, regardless of the "dealer incentive". The column should look like this:
Price, 20,000.00 New car Less 2,000.00 Discount Less 5,000.00 Dlr. Inctv. Less 5,000.00 Trade Value add 5,000.00 Money Owed add Aplicable Tax
Hope it is not too late :)
They are still charging you because they are waiting for you to bring it to their attention. This is the same reason why life insurance companies do not try to find out if an insured has died. There is no incentive to take the initiative. The incentive is to continue to charge and not to pay unless it becomes unavoidable.
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