Regarding the paperwork, the client has a Buyer agreement that says Discount or Allowance of $13500.(no mention of Trade-in.) which is initialed by the client. The dealer and client has the Retail Installment Agreement that says Trade-in for $13500 which is not signed by the client.

The client also provided me the Kelly Blue book estimate of $9500.00

I presume the client would present the signed paperwork which does not say trade-in.