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.
Defending Utah Consumers Against Ford Motor Credit and Lincoln Automotive Financial Services
Facing a lawsuit or aggressive collection tactics from Ford Motor Credit or Lincoln Automotive Financial Services (AFS) can be an overwhelming experience. In Utah, auto lenders are subject to strict state and federal regulations, yet many consumers find themselves cornered by creditors who fail to follow the law. At Cannon Legal PLLC, we represent Utah residents who are tired of being treated as though they have no rights. We investigate the details of your contract, the history of your payments, and the conduct of the lender to hold them accountable.
If you are struggling with a deficiency balance or predatory lending practices, you need a firm that understands the intricacies of Auto Issues and the procedural hurdles creditors must clear before they can legally pursue a judgment against you.
Common Tactics Used by Auto Creditors
Dealers and lenders often rely on the assumption that consumers will not contest their claims. From “yo-yo” financing—where a dealer claims financing fell through days after you drove the car off the lot to force you into higher interest rates—to the illegal inclusion of “junk” fees for unwanted GAP insurance or VIN etching, the initial contract may be built on deceptive practices. Under the Utah Consumer Sales Practices Act, these types of unconscionable acts may provide a strong defense against collection efforts.
Repossession Rights and Statutory Requirements
Under the Uniform Commercial Code (UCC) Article 9, as adopted in Utah, a lender must strictly adhere to specific procedures following a repossession. If a vehicle is repossessed, the lender is required to send a formal Notification of Sale. Furthermore, the sale of the vehicle must be conducted in a “commercially reasonable” manner. If the lender fails to provide proper notice or sells the vehicle for a fraction of its value to inflate your deficiency balance, we aim to challenge the validity of that debt.
Legal Tip: If a repo agent enters your home, damages your property, or ignores a direct, peaceful objection during the repossession, they may have committed a “breach of the peace.” This can be a powerful defense in your case.
Our Approach to Your Defense
At Cannon Legal PLLC, we do not simply accept the creditor’s claims at face value. We perform a comprehensive review of your financing agreement to identify TILA (Truth in Lending Act) violations or forged income documentation. Whether we are navigating mandatory arbitration or defending you against a Debt Lawsuit, our goal is to protect your assets and your credit. We often utilize state and federal fee-shifting provisions, which allow us to aggressively litigate on your behalf while minimizing the financial barrier to entry.
Contact Information for Ford Motor Credit / Lincoln AFS
If you have been contacted by your lender, it is prudent to keep a record of all correspondence. You may reach the creditor at the following:
- Mailing Address: PO Box 650574, Dallas, TX 75090
- Website: lincoln.com/finance
Why Choose Cannon Legal PLLC?
You are not alone in this process. Our team is dedicated to leveling the playing field for Utah consumers who have been unfairly targeted by large creditors. Learn more about Cannon Legal PLLC and how our experienced team can help you navigate this complex landscape.