You financed a treadmill at a local store. The department store

You financed a treadmill at a local store. The department store uses a third party creditor for all its financing. The treadmill malfunctioned the first time you tried to use it and no longer works. You refused to make payments until the situation is resolved. Is this legal? Which law(s) apply, if any?

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You financed a treadmill at a local store. The department store