Dealing with Professional Finance Company, Inc. in Utah?

Receiving a court summons regarding an outstanding balance can be an unsettling experience, particularly when the plaintiff is a third-party debt buyer you may not recognize. Professional Finance Company, Inc. often acquires portfolios of accounts from original creditors. Because these entities frequently purchase debt for a fraction of its face value, they may lack the comprehensive documentation required to substantiate their claims in a court of law. If you have been served, it is vital to remember that the burden of proof rests entirely on the plaintiff to demonstrate that they possess the legal right to collect the debt and that the amount claimed is accurate.

The Legal Reality for Utah Consumers

In Utah, the legal timeline for responding to a civil complaint is strict. Under Utah Rule of Civil Procedure 12(a), you must file a formal answer within 21 days if you were served within the state, or 30 days if service occurred outside Utah. Failing to meet these deadlines can lead to a default judgment, which may result in wage garnishment or bank account levies. Our experienced team reviews each case to identify valid affirmative defenses and evaluates whether the claim should be redirected to small claims court, particularly if the amount in question falls within the $20,000 threshold.

Failure to file a timely response to a lawsuit is a common error that can result in an automatic judgment against you. Regardless of the circumstances, you must engage with the court process before the deadline to preserve your right to contest the claims made by the plaintiff.

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:

• Filing Formal Answers: We draft and submit your response to the court to prevent the entry of a default judgment, ensuring your side of the story is officially on the record.
• Demanding Discovery: We challenge the plaintiff to produce the original contract and a complete chain-of-title, which is often missing when debt is sold multiple times.
• FDCPA Litigation: If the collector has violated federal law during their collection attempts, we can help you bring a counterclaim to hold them accountable for their actions.

If you have already received a judgment, please review our guide on Defending Against Debt Judgments to understand your options for relief.

Creditor Contact Information

• Phone: 800-864-4391
• Email: info@pfccollects.com
• Mailing Address: 5754 W 11th St, Ste 100, Greeley, CO 80634
• Website: pfccollects.com

More Utah Resources

• Lawsuits Defense in Utah
• Complete Directory of Lawsuits Creditors