Utah Consumer Protection & Debt Defense

Empowering Utahns to Fight Back Against Unfair Financial Practices

At Cannon Legal PLLC, we understand that Utah families and business owners face unique financial pressures. When debt collectors call or credit reporting errors stall your progress, you don’t have to face it alone. We provide aggressive, localized legal advocacy to help you navigate Utah’s specific consumer laws and federal protections.

Our Core Practice Areas

Arbitration

When a contract forces your dispute out of the courtroom, you need a strategy. We represent Utah consumers in private arbitration, ensuring that your rights aren’t signed away in the fine print.

  • Strategic defense in mandatory arbitration forums.

  • Case analysis for consumer contracts and service agreements.

Bankruptcy

If debt has become unmanageable, federal law provides a path to a fresh start. We help Utahns evaluate Chapter 7 and Chapter 13 options to stop garnishments and protect your assets.

  • Utah-specific asset exemptions and filing guidance.

  • Comprehensive debt reorganization and liquidation support.

Credit Reporting

An error on your credit report can prevent you from buying a home in Salt Lake City or securing a car loan in Provo. We hold credit bureaus accountable under the Fair Credit Reporting Act (FCRA).

  • Disputing inaccurate, outdated, or fraudulent information.

  • Legal claims against bureaus that refuse to correct documented errors.

Debt Collection Defense

Utah has specific statutes regarding debt collection. Whether you are being hounded by debt buyers or facing a lawsuit in a Utah District Court, we provide a robust defense.

  • FDCPA Violations: Stopping collector harassment and illegal tactics.

  • Lawsuit Defense: Challenging “zombie debt” and unverified debt buyers.

Identity Theft

Recovering from identity theft is a marathon. We help Utah victims navigate the legal process of clearing their names and removing fraudulent accounts from their records.

  • Formal disputes with creditors and reporting agencies.

  • Legal action against institutions that fail to protect your identity.

MCA Defense (Merchant Cash Advances)

Utah small businesses are often targeted by predatory Merchant Cash Advances. If your business is struggling with high-interest daily withdrawals, we offer defense and restructuring strategies.

  • Defense against aggressive MCA collections and confessions of judgment.

  • Negotiation and financial restructuring for Utah business owners.

Mortgage & Housing Rights

Protecting your home is our priority. From foreclosure defense to navigating Utah’s landlord-tenant laws, we advocate for homeowners and renters facing housing instability.

  • Foreclosure intervention and loan modification guidance.

  • Assistance with predatory mortgage servicing practices.

Predatory Lending

High-interest “payday” loans and deceptive lending practices are prevalent. We challenge unfair loan terms and hold lenders accountable for violating consumer protection statutes.

  • Review of high-interest loan contracts for legal compliance.

  • Advocacy against deceptive marketing and lending “traps.”

Service Member Protections

We are proud to serve those who serve. We provide specialized legal support for Utah’s military members, focusing on rights under the Servicemembers Civil Relief Act (SCRA).

  • Protections against default judgments and illegal foreclosures during deployment.

  • Military Lending Act (MLA) compliance and advocacy.

Student Loan Solutions

Navigating the complexities of federal and private student loans can be overwhelming. We help Utah borrowers explore dischargeability, repayment plans, and defense against aggressive collections.

  • Analysis of loan discharge options in bankruptcy.

  • Negotiation with private student loan lenders.

Is a Credit Report Error Costing You Money?

Inaccurate information on your credit report can lead to higher interest rates or job denials. Let our experienced Utah FCRA attorneys review your case for free and explain your rights.

Why Utahns Choose Cannon Legal PLLC

  • Localized Expertise: We understand the Utah court system and local debt collection trends.

  • Tailored Strategies: No “template” solutions. We build a defense based on your specific financial situation.

  • Dedicated Advocacy: From the first consultation to the final resolution, our focus is on restoring your peace of mind.

  • Proven Experience: Years of experience defending consumers against large financial institutions and aggressive debt buyers.