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 a Lawsuit from Skopos Financial LLC? Know Your Rights in Utah

When you find yourself facing legal action from a third-party debt buyer like Skopos Financial LLC, the stress of potential vehicle loss or an aggressive deficiency balance claim can be overwhelming. At Cannon Legal PLLC, we represent Utah consumers who are tired of being treated as mere line items on a balance sheet. Our experienced legal team provides a robust defense against auto-lending claims, holding creditors accountable to the standards set by Utah and federal law.

If you have been served with a lawsuit regarding an auto deficiency or collection action, time is of the essence. We utilize a strategic approach to examine the validity of the underlying contract and the legality of the collection tactics employed against you.

Common Issues in Auto Lending Disputes

Many auto lending disputes stem from problematic practices occurring at the dealership level or during the collection process. We scrutinize your file for evidence of:

  • Hidden “Junk” Fees: Many retail installment contracts are packed with unwanted add-ons, such as overpriced GAP insurance or VIN etching, often added without clear disclosure.
  • Yo-Yo Financing: If a dealer allowed you to drive off the lot only to claim the financing “fell through” later to force you into a higher interest rate, this may violate consumer protection standards.
  • Wrongful Repossession: Under the Uniform Commercial Code (UCC) Article 9, repossession agents are strictly prohibited from “breaching the peace.” If an agent used force, intimidated you, or ignored a physical objection, the repossession may be unlawful.
  • Commercially Unreasonable Sales: After a vehicle is repossessed, the lender must dispose of the asset in a “commercially reasonable” manner. If they sold the vehicle for an unfairly low price to inflate your deficiency balance, we aim to challenge the debt.

The Utah Statutory Framework for Your Defense

Our firm builds your defense using the specific protections afforded to you under state and federal law. We examine your case through the lens of:

The Utah Consumer Sales Practices Act and the Utah Consumer Credit Code provide powerful shields against unconscionable debt collection tactics and deceptive financing disclosures. We leverage these statutes to demand proof of the debt and verify that every procedural requirement—from the Notice of Sale to the final calculation of the deficiency—was handled according to the law.

Furthermore, we look for violations of the Federal Truth in Lending Act (TILA). If the creditor failed to accurately disclose the Annual Percentage Rate (APR) or the total cost of the loan, they may be liable for damages. When dealing with auto issues, it is critical to determine if the plaintiff has the legal standing to pursue the debt in the first place.

How Cannon Legal PLLC Protects Utah Consumers

You do not have to navigate the complex world of debt lawsuits alone. We provide comprehensive legal support designed to level the playing field:

  • Rigorous Contract Review: We search for forged income documentation, TILA violations, and hidden fees that may invalidate your contract.
  • Arbitration Strategy: Many modern auto contracts include mandatory arbitration clauses. We evaluate whether we can effectively challenge or opt out of these provisions to move your case into a courtroom where your rights are better protected.
  • Stopping Harassment: If Skopos Financial or their representatives have violated the Fair Debt Collection Practices Act (FDCPA), we work to hold them accountable.
  • Affirmative Litigation: In many cases, we utilize fee-shifting provisions found in consumer protection statutes, allowing us to pursue claims against creditors without placing an undue financial burden on you.

Learn more about Cannon Legal PLLC and how our experienced team can stand between you and aggressive creditors.

Creditor Contact Information

If you are attempting to correspond with the creditor directly, their current contact details are provided below. However, we advise speaking with legal counsel before making formal statements to any debt collector.

Schedule your free phone consultation today