The New Car, Used Car, Wheelchair, and Farm Equipment Lemon Laws provide a legal remedy for buyers or lessees of new and used cars that turn out to be lemons. An arbitrator hears from both you and the seller.A mandatory binding arbitration clause in a car loan states you agree to resolve any disputes with an arbitrator rather than the courts. Almost all consumer contracts contain arbitration agreements. If you look carefully they are there, in force: cars, boats, TV's, software and credit cards. 2. Filing Requirements. The New Jersey Consumer Fraud Act can help you recover you money of the dealership has used deceptive tactics to have you buy a car form the dealership. Enforce the arbitration provision in the parties' agreement. DCN contends that, taken as a whole, the agreement is not ambiguous.