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 GM Financial? Know Your Rights Under Utah Law
When you enter into an auto financing agreement, you expect transparency and fair play. However, many Utah consumers find themselves entangled in complex disputes with GM Financial, ranging from aggressive repossession tactics to deceptive financing practices. At Cannon Legal PLLC, our experienced attorneys are dedicated to holding large creditors accountable and protecting your rights as a borrower.
If you are struggling with an auto loan dispute, you are not alone. Whether you are dealing with a deficiency balance or predatory lending practices, we fight to level the playing field. For more information on how we handle these cases, see our comprehensive guide on Auto Issues.
Common Auto Financing Disputes
The auto lending industry is heavily regulated to protect consumers from overreach. When creditors fail to follow these mandates, we step in to demand proof and challenge their actions.
Yo-Yo Financing and Hidden Fees
Dealers sometimes engage in “yo-yo financing,” where they claim your financing fell through days after you drove the car off the lot, forcing you to return and sign a new, less favorable contract. Furthermore, many contracts are “packed” with unnecessary junk fees, such as inflated GAP insurance or VIN etching services that you never requested. Under the Utah Consumer Sales Practices Act, such deceptive and unconscionable acts may be challenged to mitigate your financial liability.
Wrongful Repossession and UCC Article 9
Under Utah’s adoption of the Uniform Commercial Code (UCC) Article 9, a repossession agent must maintain “the peace.” They cannot use force, threaten you, or ignore a clear, peaceful objection to the repossession. If a lender breaks these rules, or if they fail to send proper Notice of Sale, they may be prohibited from pursuing a deficiency balance. We review these actions to determine if the creditor forfeited their right to collect.
Counsel’s Note: Never assume a deficiency balance notice is valid. Creditors are required by law to sell your vehicle in a “commercially reasonable” manner. If they sell it for an unjustifiably low price, we aim to challenge that deficiency amount in court.
How Cannon Legal PLLC Protects Utah Consumers
Our firm utilizes state and federal statutes—including the Federal Truth in Lending Act (TILA) and the Utah Consumer Credit Code—to build a robust defense. Our services include:
- Aggressive Contract Review: We analyze your financing documents for forged income information, undisclosed APR discrepancies, or TILA violations.
- Arbitration Defense: If your contract contains an arbitration clause, we fight to navigate that process effectively or help you assert your rights to take the matter to court.
- Stopping Harassment: We act as your buffer against abusive debt collection practices, ensuring that your rights under the FDCPA are upheld.
- Affirmative Litigation: In many cases, we utilize fee-shifting provisions in Utah statutes to hold creditors liable for your legal costs, making high-quality legal representation accessible.
Learn more about Cannon Legal PLLC and our firm’s commitment to client advocacy. Whether you are facing a lawsuit or are overwhelmed by collection attempts, we are here to help.
GM Financial Contact Information
- Phone: 8002842271
- Mailing Address: 4001 Embarcadero, Arlington, TX 94104
- Website: gmfinancial.com