It is a car and I do have a contract. It is not that detailed of a contract since it is from a buy here, pay here lot. I called the place the night before to get the payoff since I knew that I was getting a paycut soon and wouldn't be able to afford the monthly payments. I had the money at the time and if they would have told me the correct amount I would have paid it but now it is already spent on other bills. Are receipts no longer any good? I have a reciept that says I paid it off in good faith.