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 American Honda Finance in Utah?

Losing a vehicle to repossession creates significant instability, and receiving a follow-up notice regarding a deficiency balance often adds unnecessary pressure. If you are currently facing legal action from American Honda Finance, it is vital to recognize that creditors are held to specific procedural requirements. Our firm works to scrutinize the actions taken by the plaintiff to determine if your rights were upheld throughout the collection and repossession process. Whether you are managing a pending court filing or seeking to address an existing judgment, we provide experienced representation to help you protect your interests. For those involved in broader financial disputes, we also assist with Defending General Debt Lawsuits.

The Legal Reality for Utah Consumers

In Utah, the law permits self-help repossession under UCC Article 9, provided the creditor does not breach the peace during the recovery of the vehicle. Notably, Utah law generally does not mandate pre-repossession right-to-cure notices. However, plaintiffs must still prove the commercial reasonableness of the vehicle sale before pursuing a deficiency balance. Furthermore, under Utah Code § 70C-7-101, creditors are strictly barred from collecting deficiency balances on vehicles purchased on credit for a total price of $3,000 or less. Our approach involves auditing these transactions to identify potential violations of these standards.

Ignoring a lawsuit from a creditor will not make the debt disappear and often leads to default judgments, which may result in wage garnishment or bank account levies. You must respond to court filings within the designated timeframe to preserve your right to challenge the claims against you.

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 examine your original loan documents for hidden fees and potential violations of the Truth in Lending Act (TILA) that may affect the validity of the debt.
  • Repossession Investigation: We analyze the circumstances surrounding the recovery of your vehicle to determine if a breach of the peace occurred, which could impact the creditor’s right to pursue a balance.
  • Litigation Defense: We represent your interests in court, challenging the accuracy of deficiency balance calculations and ensuring the plaintiff meets their burden of proof.

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