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.
Auto Lending Disputes: Standing Up to Freedom Auto Group
When you enter a dealership, you expect a transparent transaction. Unfortunately, many Utah consumers find themselves trapped in predatory lending cycles, facing aggressive collection tactics, or dealing with the fallout of questionable financing practices. If you are struggling with a dispute involving Freedom Auto Group, Cannon Legal PLLC is prepared to analyze your contract, defend your rights, and hold creditors to the strict standards required by law.
Whether you are facing a potential repossession or dealing with an unfair deficiency balance claim, our experienced team utilizes the full weight of Utah and federal law to protect your interests. Navigating Auto Issues requires a firm grasp of both state statutes and federal protections. We provide the aggressive advocacy needed to challenge improper conduct.
Common Auto Lending Disputes in Utah
Our firm frequently addresses specific, systemic issues that arise in automotive financing agreements:
- Hidden Fees and Packing: We investigate contracts for unauthorized charges, such as undisclosed GAP insurance or VIN etching services that were never requested.
- “Yo-Yo” Financing: If a dealer has contacted you claiming financing fell through to coerce you into signing a contract with higher interest rates, you may have legal recourse under the Utah Consumer Sales Practices Act.
- Wrongful Repossession: Under the Uniform Commercial Code (UCC) Article 9, repossession must be peaceful. Any breach of the peace—such as entering a locked garage or ignoring a direct, peaceful objection—is a violation of your rights.
- Commercial Reasonableness: If your vehicle was repossessed, the lender must provide specific notices and sell the vehicle in a “commercially reasonable” manner before seeking a deficiency balance. We demand proof that these steps were followed correctly.
The Statutory Framework for Your Defense
At Cannon Legal PLLC, we build defenses based on the following statutory requirements:
Utah law and federal mandates, including the Truth in Lending Act (TILA), require creditors to provide clear, accurate disclosures. If your contract contains forged income information, inaccurate APR calculations, or deceptive terms, we fight to have those violations addressed and, where applicable, leverage fee-shifting provisions to seek restitution.
We leverage the Utah Consumer Credit Code to challenge excess charges and ensure that creditors are strictly adhering to their obligations. Our strategy involves a comprehensive audit of your documentation to identify every instance where the lender failed to meet their legal burden of proof.
How Cannon Legal PLLC Protects Utah Consumers
You do not have to face aggressive debt collectors alone. Our experienced attorneys focus on shifting the power dynamic back in your favor. From stopping persistent collection harassment to navigating complex arbitration clauses, we provide a strategic path forward. Learn more about Cannon Legal PLLC and our commitment to professional, result-oriented legal advocacy.
Creditor Contact Information
If you have been contacted by Freedom Auto Group, keep records of all correspondence. Their primary mailing address is:
- Mailing Address: 2905 S Garland Ave, Garland, TX 75016
Take Control of Your Financial Future
Do not allow a predatory auto loan to compromise your financial stability. Whether you are dealing with a deficiency balance claim or seeking to resolve an ongoing dispute, our team is ready to review your case and demand accountability.