[Stratuscaster]

Avenger's resale mimics that of it's predecessor (Stratus) in that both were considered "fleet queens" - at the end of their fleet lives they get dumped on the used car market and drive the value down significantly.

 

[Stratuscaster]

I think the dealer is simply trying to sell a Dart and the financing to go along with it.

Using KBB for my area, the current "sell it myself" values on a 2012 Avenger SE with the 2.4/6-speed and no other options (I don't know how yours is optioned) are:
Excellent: $13,435
Very Good: $12,935
Good: $12,535
Fair: $11,235

There is no way that your 2012 Avenger will be worth ZERO in 3-5 years. That's an outright lie.

Looking at a 2008 Avenger SE 2.4/4-speed - a 5 year old car - the values are:
Excellent: $8,862
Very Good: $8,487
Good: $8,237
Fair: $7,237

I'm no math major, but none of those numbers is anywhere close to zero.