Protect Your Vehicle & Your Rights
Deceptive loan terms and wrongful repossessions shouldn’t run you off the road. We help Utah consumers hold auto lenders accountable and resolve deficiency disputes.
Facing Ford Motor Credit? Cannon Legal PLLC Protects Utah Consumers
If you are being pursued by Ford Motor Credit for a deficiency balance, or if you believe your vehicle was repossessed in violation of your rights, the situation requires immediate, strategic intervention. At Cannon Legal PLLC, we provide experienced representation for Utah residents navigating complex auto issues. We hold creditors accountable to the standards set forth by both state and federal law, ensuring your rights are protected throughout the collection process.
Common Tactics and Legal Protections
Lenders like Ford Motor Credit must adhere to strict regulatory frameworks. When they fail to do so, they may lose their right to collect or even owe you damages. We analyze cases for the following violations:
Yo-Yo Financing and Deceptive Sales
Many consumers are victims of “yo-yo financing,” where a dealership informs you that your financing fell through—often days or weeks after you drove off the lot—to coerce you into signing a contract with higher interest rates or less favorable terms. Under the Utah Consumer Sales Practices Act, these bait-and-switch tactics may be considered unconscionable acts. We review your original financing documents to determine if your rights under the Truth in Lending Act (TILA) were compromised.
Wrongful Repossession and Breach of the Peace
In Utah, repossession must be conducted without a “breach of the peace.” Repo agents are prohibited from using force, entering locked garages, or ignoring clear, verbal objections. If your vehicle was taken in a manner that violated Utah law, or if the creditor failed to provide the required post-repossession notices, we aim to challenge the validity of their deficiency claim.
Commercial Reasonableness and UCC Article 9
Under Uniform Commercial Code (UCC) Article 9, a creditor must dispose of a repossessed vehicle in a “commercially reasonable” manner. This includes providing you with proper notice of the sale. If the vehicle was sold at a fraction of its market value, or if you never received an accurate Notice of Sale, the creditor may be barred from pursuing a deficiency balance against you.
Legal Insight: Never assume a deficiency balance statement is accurate. Creditors often pack financing agreements with “junk” fees for services like VIN etching or unwanted GAP insurance. Our experienced team audits these contracts to identify illegal charges and potential statutory violations.
How Cannon Legal PLLC Can Help
We provide a comprehensive approach to auto lending defense, including:
- Contract Audits: Identifying forged income disclosures or TILA violations that may invalidate the debt.
- Arbitration Defense: Navigating or opting out of mandatory arbitration clauses to ensure your day in court.
- Stopping Harassment: Utilizing the Fair Debt Collection Practices Act (FDCPA) to end abusive collection behavior.
- Affirmative Litigation: Utilizing fee-shifting provisions where applicable to hold creditors accountable for statutory violations.
Learn more about Cannon Legal PLLC and our commitment to aggressive, professional advocacy for Utah consumers.
Ford Motor Credit Contact Information
- Phone: 4024986980
- Mailing Address: PO Box 542000, Omaha, NE 75360
- Website: ford.com/finance