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.

Dealing with Drive Time in Utah?

Losing a vehicle to repossession creates significant instability, and receiving a notice regarding a deficiency balance often adds further pressure. At Cannon Legal PLLC, we represent Utah residents who are currently facing legal action from Drive Time. If you are struggling with the aftermath of an auto repossession, it is critical to evaluate the actions taken by the creditor to ensure they adhered to established legal standards. We provide experienced representation for those seeking to challenge these claims and protect their financial future, often while also Defending General Debt Lawsuits.

The Legal Reality for Utah Consumers

Under Utah Code Title 70A, creditors are permitted to perform self-help repossessions provided they do not breach the peace during the process. Notably, Utah law generally does not require a pre-repossession right-to-cure notice. However, creditors must still prove the commercial reasonableness of the subsequent vehicle sale before pursuing a deficiency balance. Furthermore, Utah Code § 70C-7-101 provides a vital protection for consumers: it strictly prohibits deficiency balances on vehicles purchased on credit for a total price of $3,000 or less. We scrutinize the details of your contract and the repossession event to determine if these or other protections apply to your specific situation.

Ignoring a court summons from a creditor will likely lead to a default judgment, which can result in wage garnishment or bank account levies. You must respond to legal filings within the court-mandated timeframes to preserve your right to present a defense.

How We Fight Back

At Cannon Legal PLLC, we focus on holding creditors to the strict standards of evidence required by law. We can help you navigate the process through the following targeted services:

  • Contract Review: We analyze your original financing agreement to identify hidden fees, unauthorized charges, or violations of the Truth in Lending Act (TILA).
  • Repossession Investigation: We examine the circumstances surrounding the recovery of your vehicle to determine if the creditor committed a breach of the peace, which may invalidate their claims.
  • Deficiency Balance Litigation: We challenge the validity of the amount claimed by the creditor, ensuring that the sale of the collateral was conducted in a commercially reasonable manner as required by state law.

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