Facing PFS Auto Debt? You Have Rights Under Utah Law

If Professional Financial Services (PFS) is pursuing you regarding an auto deficiency balance or a vehicle repossession, you are likely feeling the immense pressure of aggressive collection tactics. At Cannon Legal PLLC, we represent Utah consumers in Auto Issues, helping you evaluate whether your contract or the collection process complied with state and federal regulations.

Lenders must adhere to strict procedural standards. When they fail to do so, they may lose their right to collect the deficiency balance entirely. We work to hold creditors and third-party debt buyers accountable by demanding proof of their claims and analyzing the legality of the underlying loan documents.

Common Auto Lending Irregularities in Utah

The auto lending industry is rife with predatory practices that can invalidate a debt. Our firm focuses on identifying these issues to protect your financial interests:

Hidden Fees and Financing Tactics

Many consumers find their loans packed with unwanted “junk” fees, such as unauthorized GAP insurance or VIN etching. Furthermore, if you were a victim of “yo-yo financing”—where a dealer claims financing fell through days or weeks after you took the vehicle home to force you into a higher interest rate—we analyze these actions under the Utah Consumer Sales Practices Act to determine if the contract is voidable.

Wrongful Repossession and UCC Article 9 Violations

In Utah, a repossession agent must abide by the Uniform Commercial Code (UCC) Article 9. They cannot breach the peace, use physical force, or ignore your explicit, peaceful objection to the repossession. If the repossession was handled improperly, or if the creditor failed to provide the required “Notice of Intent to Sell,” we argue that the collection of a deficiency balance is legally barred.

Commercial Reasonableness

After a vehicle is repossessed, the lender is required by the Utah Consumer Credit Code to sell the vehicle in a “commercially reasonable” manner. If the creditor sold the vehicle at an auction for a fraction of its fair market value, they may not be entitled to collect the remaining deficiency balance. We demand evidence of the sale process to ensure you aren’t being held liable for a debt inflated by the creditor’s own negligence.

Legal strategy requires a granular approach. We analyze Truth in Lending Act (TILA) disclosures and installment sale documents to identify forged income figures, inaccurate APR calculations, or other deceptive practices that provide leverage in your defense.

How Cannon Legal PLLC Defends Utah Consumers

Our goal is to resolve your situation with professional, aggressive advocacy. We utilize the following strategies to assist our clients:

• Contract Audits: Reviewing your loan paperwork for TILA violations and deceptive sales tactics.
• Stopping Harassment: Asserting your rights under the FDCPA to end abusive communication from collectors.
• Affirmative Litigation: Utilizing fee-shifting provisions in consumer protection statutes, which may allow us to seek attorney fees from the creditor when violations are proven.
• Arbitration Defense: If your contract contains a forced arbitration clause, we provide representation to ensure your rights are not surrendered at the bargaining table.

Learn more about Cannon Legal PLLC and our commitment to protecting Utah consumers from unlawful collection practices.

Creditor Contact Information

If you have received communication from PFS, it is important to keep a record of all interactions. Their contact details are as follows:

• Phone: 8662817043
• Mailing Address: 181 Security Place, Spartanburg, SC 33325
• Website: pfs-corp.net

If you are being sued or harassed regarding an auto loan, do not wait until a judgment is entered against you. Schedule your free phone consultation today.