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 Century Trucks and Vans in Utah?

Losing a vehicle to repossession creates significant instability, especially when a creditor follows up with a demand for a deficiency balance. If you are facing legal action from Century Trucks and Vans, it is vital to assess the circumstances surrounding the recovery of your vehicle. Our firm assists Utah residents in scrutinizing these claims to determine if the creditor acted within the boundaries of state law. We focus on protecting your interests while you address the challenges of Defending General Debt Lawsuits.

The Legal Reality for Utah Consumers

In Utah, the law permits creditors to repossess vehicles without prior notice, provided the act does not breach the peace. However, this power is not absolute. Under Utah Code Title 70A, the subsequent sale of the vehicle must be conducted in a commercially reasonable manner. Furthermore, Utah Code § 70C-7-101 provides a critical protection: if your vehicle was financed for $3,000 or less, the creditor is generally barred from pursuing a deficiency balance entirely. We examine the details of your contract and the repossession event to identify potential violations that could impact the validity of the creditor’s claim.

Ignoring a court summons from a creditor is a significant risk that can lead to automatic judgments, wage garnishment, or bank levies. We urge you to take immediate action upon receiving notice of a lawsuit to preserve your ability to present a defense in court.

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 finance agreement to identify hidden fees, interest rate discrepancies, or TILA violations that may invalidate the debt.
  • Repossession Investigation: We investigate whether the recovery of your vehicle involved a breach of the peace, which could serve as a viable defense against a deficiency claim.
  • Litigation Support: We file formal responses and counterclaims for wrongful repossession or violations of state deficiency balance laws to challenge the creditor’s position.

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