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.
Defending Utah Consumers Against Texas Dealer Solutions
If you are a resident of Utah currently facing a legal dispute with Texas Dealer Solutions, you are not alone. Many consumers find themselves overwhelmed by unexpected deficiency balances, aggressive collection tactics, and the complexities of vehicle financing. At Cannon Legal PLLC, we provide experienced representation to help you challenge these claims and hold creditors accountable for their legal obligations.
When a creditor files a lawsuit, silence is not an option. Whether you are dealing with a deficiency balance after a repossession or suspect your financing contract contains predatory terms, you have rights under Utah and federal law. We focus on protecting your interests in all Auto Issues and related collection litigation.
Common Tactics and Legal Protections
Auto financing disputes often stem from improper conduct by dealerships and subsequent debt purchasers. Understanding your rights is the first step toward building a defense.
The Reality of “Yo-Yo” Financing and Hidden Fees
Commonly referred to as “spot delivery,” yo-yo financing occurs when a dealer lets you take a car home, only to later claim financing “fell through” to force you back into the dealership for less favorable terms. Furthermore, we often identify contracts packed with unauthorized “junk fees,” such as mandatory GAP insurance or VIN etching that were never properly disclosed or agreed upon, violating the Federal Truth in Lending Act (TILA).
Repossession and Commercially Reasonable Sales
Under the Uniform Commercial Code (UCC) Article 9, as adopted in Utah, a creditor must follow strict procedures when repossessing and selling a vehicle. If the repo agent breached the peace—such as entering a private, locked garage—or if the creditor failed to send the required Notification of Sale, they may be prohibited from collecting a deficiency balance. Furthermore, the sale must be “commercially reasonable.” If the creditor sold the vehicle for an unreasonably low price, we aim to challenge the validity of their deficiency claim.
Utah Consumer Sales Practices Act
The Utah Consumer Sales Practices Act (UCSPA) prohibits suppliers from engaging in deceptive or unconscionable acts. If Texas Dealer Solutions or the original creditor utilized misleading documentation to secure your loan, we look for opportunities to assert these statutory protections as part of your defense.
Legal defense is about demanding proof. We require creditors to provide a complete chain of title and a transparent accounting of the debt. If they cannot produce the necessary documentation to support their claim, we move to dismiss the action.
How Cannon Legal PLLC Can Help
We approach every case with a strategy designed to stop collection harassment and challenge the underlying debt. Our services include:
- Contract Audits: Identifying TILA violations, forged income documentation, and illegal fee packing.
- Deficiency Defense: Challenging the math and the process behind the reported balance.
- Arbitration Strategy: Navigating mandatory arbitration clauses or fighting to keep your case in a court of law.
- Affirmative Litigation: In cases of egregious misconduct, we explore affirmative lawsuits that utilize fee-shifting provisions, which can assist in funding your legal defense.
Learn more about Cannon Legal PLLC and our approach to aggressive debt defense. Whether you are facing a summons or constant phone harassment, we are prepared to stand between you and the creditor.
Creditor Contact Information
If you have received communication from this entity, please keep all records for our review:
- Mailing Address: 4210 Industrial Dr Suite 100, Austin, TX 76099