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.
Facing Legal Pressure from Century Trucks and Vans? Know Your Rights in Utah.
When you purchase a vehicle, you enter into a binding financial agreement that should be transparent and fair. However, many Utah consumers find themselves in disputes involving Century Trucks and Vans, often stemming from aggressive financing tactics or contentious repossession actions. At Cannon Legal PLLC, we provide experienced representation for those facing auto issues and predatory lending practices.
If you are struggling with a deficiency balance, vehicle repossession, or questionable contract terms, it is vital to understand that creditors must follow strict legal procedures. Our firm is dedicated to holding lenders and third-party debt buyers accountable by demanding strict adherence to state and federal law.
Common Auto Financing and Repossession Disputes
Disputes with automotive creditors often involve systemic issues that can compromise your consumer rights. We focus our practice on several key areas of concern:
Hidden Fees and Yo-Yo Financing
Some dealerships attempt to increase the total cost of a vehicle by packing loans with “junk” fees, such as unwanted GAP insurance or VIN etching services, without clear disclosure. Furthermore, “yo-yo financing”—where a dealer claims financing has “fallen through” after you have already taken possession of the vehicle—is a common tactic used to coerce consumers into signing contracts with higher interest rates or less favorable terms.
Wrongful Repossession and UCC Article 9
In Utah, the repossession process is strictly governed by the Uniform Commercial Code (UCC) Article 9. A repossession agent may not “breach the peace.” If an agent uses physical force, threatens violence, or ignores your explicit, face-to-face objection to the repossession, they may have acted illegally. Additionally, creditors are required to provide proper notice before selling a repossessed vehicle and must sell it in a “commercially reasonable” manner if they intend to pursue you for a deficiency balance.
Legal Tip: Always document the condition of your vehicle and the circumstances of any attempted repossession. If a creditor fails to send the required Notification of Sale, they may be legally barred from collecting a deficiency balance under Utah law.
The Legal Framework for Consumer Protection
We leverage several statutes to build a robust defense for our clients:
- Utah Consumer Sales Practices Act: Prohibits deceptive and unconscionable acts in consumer transactions.
- Utah Consumer Credit Code: Regulates installment sales and protects consumers against excess charges.
- UCC Article 9: Mandates the requirements for valid repossession and the “commercially reasonable” sale of collateral.
- Truth in Lending Act (TILA): Requires clear disclosure of all financing terms, including APR and the total cost of credit.
How Cannon Legal PLLC Can Help
We approach every case with a strategic, aggressive mindset aimed at protecting your financial future. Whether you are facing a debt lawsuit or persistent collection harassment, we provide experienced legal advocacy to challenge the creditor’s claims.
Our services include:
- Contract Analysis: We examine your documents for TILA violations, forged income assertions, or unauthorized fees.
- Arbitration Strategy: If your contract contains a forced arbitration clause, we evaluate your options for opting out or seeking alternative resolution.
- Affirmative Litigation: Where appropriate, we utilize fee-shifting provisions to hold creditors accountable for violations of the law.
- Ceasing Harassment: We act as your buffer against abusive collection practices that violate the FDCPA.
Learn more about Cannon Legal PLLC and how our experienced team advocates for Utah consumers every day.
Creditor Contact Information
If you are in communication with Century Trucks and Vans, keep detailed records of every interaction.
- Phone: 8004663952
- Mailing Address: 1300 East Main Street, Grand Prairie, TX 52409-9490
- Website: centurytrucks.com