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 CFAM Financial Services in Utah?

Receiving notice of a legal claim from CFAM Financial Services regarding a vehicle repossession often creates significant pressure. Whether you are facing a demand for a deficiency balance or questioning the circumstances under which your vehicle was taken, taking proactive steps is vital. Our firm provides experienced representation for individuals caught in these disputes, ensuring that your side of the story is presented effectively in court. If you are currently facing broader financial challenges, we also offer assistance with Defending General Debt Lawsuits to help you manage your legal obligations.

The Legal Reality for Utah Consumers

In Utah, creditors are permitted to conduct self-help repossession under UCC Article 9, provided they do not breach the peace during the process. While pre-repossession notices are not typically required, the law places strict burdens on the creditor regarding how they dispose of the collateral. We scrutinize whether the sale of your vehicle was commercially reasonable, as this is a primary factor in determining if a deficiency balance is valid. Furthermore, under Utah Code § 70C-7-101, deficiencies are strictly prohibited for vehicles purchased on credit for $3,000 or less. We investigate these specific details to determine if the claim against you holds up to legal scrutiny.

Ignoring a court summons or failing to file a timely response can result in a default judgment, which may lead to wage garnishment or bank levies. You must address these legal notices immediately to preserve your rights and prevent the creditor from obtaining an automatic victory.

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, interest rate discrepancies, or potential TILA violations that may invalidate the debt.
  • Repossession Investigation: We examine the facts surrounding the removal of your vehicle to determine if the creditor or their agents committed a breach of the peace.
  • Deficiency Balance Litigation: We challenge the validity of deficiency claims by auditing the sale process and ensuring the creditor complied with all state-mandated documentation requirements.

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