There seems to be a lot more important red flags than papers in this case. If the question is soley papers, then I wouldn't be concerned at all. Not really. Yes, I would want them, but if they told me they would send them in x number of days, I really wouldn't worry.
As Trudy mentioned, not having the dam present or available, no contract, no pedigrees, no discussion on the health screenings, sick pup. Papers are important, but really not so. Not unless you are showing or breeding the dog, and I kind of link those together. Otherwise the papers really don't mean anything much whatsoever.
What we have here is a person who had a suspicion about the breeder, doesn't like what he saw, but bought the puppy anyway, and now is worried about what? About the paperwork. Why? Is this a young breeding prospect? If it is a young breeding propsect then all that other crap, who the dam is, what are the health screenings, what the dam is like, is even more important. Really.
Bottom line is, if you don't like something about a breeder, don't buy a puppy from them. Don't expect to catch it up later with some type of revenge. The paperwork should have been ready, but it sounds like the breeder has some weird schedule, possibly to ensure checks clear, who knows, and just didn't want to say she doesn't know you from Adam, and is letting you pay by check, but isn't going to give you papers until she sees everything clear in the bank.
And with CCs it is even worse, because people can cancel payments. Or, she has a period for which she will take the pup back and does not want to go through the hassle of getting more paperwork in the event the pup is returned. As I said, I had to one time, and it was a big enough pain, that I really don't want to again.
I guess, if you already have the puppy, why not wait until the date that she assured you the paperwork would be provided, and if it is not come on with a big "I JUST KNEW IT!"
The thing is, AKC paperwork is really not all that hard to procure. You do not need titled dogs or champion dogs, or even dogs that look like a good representative of the breed for the dog to be registered, and if it is registered, it can produce registered puppies. There are some people who will hope that you will be so infatuated with your puppy that by the time they come out and say they can't get the papers for some reason, you will still want to keep the puppy. But mostly people can provide paperwork. Mostly. If they can't well, then they have either gotten suspended by the AKC -- huge red flag, or they bred one or both dogs who aren't registered.
And this simply doesn't compute to me. Yes, there are stupid people everywhere, but the minute most people find out that the dog they paid for can't be registered, they are going to file a claim in small claims court for the purchase price of the dog. Chances are the judge will give them the entire purchase price back plus court costs. If papers are a concern, than no papers makes the dog next to worthless, I mean if you bought the dog for breeding, no papers means that is no-go. So the reason you paid X for the dog, was because it had papers, and you can convince any judge that you were sold something under false pretenses.
So it just doesn't make sense in my opinion for them to say they will knowing they cannot. Sorry.
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