[Jerome W]

I don't know about US laws but I am quite sure he is right.
In France, you can cancel web orders only, during 7 days after you bought the product.
Did you tell your dealer about your financial problems ?
If he's smart enough, he should cancel the order and give your money back.
You will be grateful to him: he will keep you as a valuable customer when the times will be better plus you can send to him customers.
I do the same in my job.
As Ivan would say : the most important thing in business is to keep happy customers.
Your dealer would be stupid if he does not this to you.
That is just business common sense.