“Lease-to-Own” Trucking Programs: When Promises Turn into Pitfalls

truck leasing program

You’re pitched a chance to become a company driver—with regular pay and security—but find yourself whisked into an expensive “lease-to-own” program that suddenly makes everything much messier. If this sounds familiar, you’re not alone—and you may have rights worth asserting.

Did They Really Say “Company Driver”?

It usually begins with a recruiter’s promise: “Come to orientation, start as a company driver.” You travel—maybe across states—to attend a multi-day orientation.

And then—surprise. At your destination, you’re told that company trucks aren’t available. Instead, you’re pressured into signing a lease agreement to hit the road now—or wait indefinitely (and pay for your own ride home).

Red Flags You Shouldn’t Ignore

These lease programs often come with steep deductions: weekly truck payments, insurance, fuel costs, maintenance escrow—it all comes out of your settlement. After everything, many drivers earn below minimum wage or even wind up owing money.

You might also notice:

  • You can’t haul for anyone else.
  • You need permission for passengers or routes.
  • Most lease drivers don’t complete the lease or get the truck.
  • Fuel “discounts” are incomplete, and escrow funds rarely get returned.

Why It Matters (Legally)

This setup could trigger multiple legal issues:

  • Minimum Wage Violations – Your deductions may drop your net pay below lawful levels.
  • Misclassification – You’re labeled an independent contractor, but your work conditions look like employment.
  • Unfair or Deceptive Practices – What you were promised (company driver opportunities) doesn’t match what you got.
  • Truth-in-Leasing Violations – Required disclosures—like escrow accounting, insurance cost breakdowns, fuel charges—are missing or misleading.

What You Can Do Next

If you find yourself in this situation, these steps may help:

  1. Document Everything – Keep your actual contract (not any “sample”), recruiter emails, receipts, pay statements, and any communications about job status.
  2. Consult an Employment Lawyer – Labor and trucking law experts can pinpoint issues like misclassification, wage theft, or deceptive leasing practices.
  3. Consider a Collective Approach – These cases often involve many drivers affected the same way—class or collective actions may be possible.
  4. Know Applicable Laws – Depending on your location, you may have protection under FLSA, state wage laws, consumer protection statutes, and federal “Truth-in-Leasing” rules.

Take Action Before It’s Too Late

Drivers often sign these contracts under pressure—sometimes far from home and with no easy way to back out. But that doesn’t mean you’re without options. If you’ve been steered into a lease instead of the promised company driver position—or if your pay fell short after deductions—you may have a viable claim.

You don’t have to navigate this alone. Legal professionals can help secure back pay, enforce disclosures, and even address misclassification.

Jordan Matyas - 1818 Founder

Jordan Matyas

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Jordan Matyas is a lawyer, lobbyist, and Founder of 1818 Litigation Attorneys, an Illinois professional licensing defense law firm he created in 2014. With more than 18 years of experience practicing law, he represents clients in a wide range of legal matters, including professional license defense, administrative law, land use and zoning, and state, local, and municipal law.

Jordan received his Juris Doctor from the University of Illinois — Chicago School of Law and is a member of the Illinois Bar Association.