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 Repossession or Collection Actions by First Investors Financial Services in Utah?

When you enter a vehicle financing agreement, you expect transparency and fair dealing. Unfortunately, consumers often find themselves in disputes with creditors like First Investors Financial Services regarding vehicle loans, repossession, or alleged deficiency balances. At Cannon Legal PLLC, we provide experienced representation for Utah consumers navigating complex auto issues and aggressive collection tactics.

If you are being pursued for a debt or feel your vehicle was repossessed improperly, you have rights under both state and federal law. Our firm works to hold creditors accountable by demanding strict adherence to the law and challenging the validity of the claims brought against you.

Common Challenges with Auto Lending

The lending process is rife with opportunities for creditors and dealerships to overreach. We focus on identifying specific areas where your rights may have been violated:

Hidden Fees and “Yo-Yo” Financing

Many consumers are pressured into “spot delivery” or “yo-yo” financing arrangements, where a dealership claims the initial financing fell through to coerce the buyer into less favorable terms. Furthermore, we investigate contracts for hidden “junk fees,” such as unauthorized GAP insurance or VIN etching products added to your loan without your clear, informed consent.

Wrongful Repossession and UCC Compliance

In Utah, repossession is governed by the Uniform Commercial Code (UCC) Article 9. Repossession agents must adhere to the “breach of the peace” standard; they cannot use force, intimidation, or ignore your verbal objections. Furthermore, if your vehicle was repossessed, First Investors Financial Services must provide a proper Notice of Sale and dispose of the vehicle in a “commercially reasonable” manner before they can legally pursue you for a deficiency balance.

If a creditor fails to adhere to the UCC or Utah’s Consumer Credit Code, they may be prohibited from collecting the remaining deficiency balance. Our team analyzes every notice to determine if the creditor forfeited their right to further payment.

Our Strategic Approach to Defense

At Cannon Legal PLLC, we utilize a data-driven, strategic approach to protect Utah consumers. Our experienced attorneys focus on the following pillars of defense:

  • Contract Review: We scrutinize loan agreements for violations of the Truth in Lending Act (TILA) regarding APR and finance charge disclosures.
  • Arbitration Defense: We evaluate the enforceability of arbitration clauses and represent your interests in ADR proceedings.
  • Consumer Protection Litigation: We utilize the Utah Consumer Sales Practices Act to address deceptive or unconscionable acts committed during the sales or collection process.
  • Harassment Intervention: We take formal steps to stop abusive debt collection practices that violate the Fair Debt Collection Practices Act (FDCPA).

In many instances, we aim to leverage fee-shifting provisions within consumer protection statutes to ensure that you have access to the representation you deserve. Learn more about Cannon Legal PLLC and how our track record of litigation can serve your interests.

Creditor Contact Information

If you are in communication with First Investors Financial Services, keep detailed records of all interactions. Their contact information is as follows:

Do not navigate a dispute with a major lender alone. We are ready to review your documentation and build a defense strategy tailored to Utah law.

Schedule your free phone consultation today