What should I do if my vehicle was repossessed improperly?

If you believe your vehicle was repossessed in violation of the UCC or Utah law, contact an experienced attorney immediately. We can investigate whether the lender breached the peace or failed to follow required notification procedures.

Can I challenge a deficiency balance if the vehicle sale was unfair?

Yes. Lenders are required to sell repossessed vehicles in a 'commercially reasonable' manner. If they failed to do so, we can challenge the deficiency balance they are attempting to collect.

What is 'Yo-Yo' financing?

Yo-Yo financing occurs when a dealer allows a consumer to drive off the lot before final financing is confirmed, then later claims the financing failed to force the consumer into a more expensive contract.

Can Freedom Auto Group collect a deficiency balance if my car was sold for less than I owed?

In Utah, a creditor may only collect a deficiency balance if they have complied with UCC Article 9, including selling the vehicle in a 'commercially reasonable' manner. If the sale process was flawed or if the vehicle purchase price was $3,000 or less, the creditor may be legally barred from collecting.

Does Utah law require a 'right-to-cure' notice before repossession?

Under Utah law, pre-repossession right-to-cure notices are generally not required. However, the repossession must be conducted without a 'breach of the peace.' If the repossession was conducted improperly, it may provide a basis for a legal defense.

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.

Schedule your free phone consultation today

Strategic Defense Against Freedom Auto Group Deficiency Claims

If you have received notice of a deficiency balance following a vehicle repossession by Freedom Auto Group, it is critical to understand that the burden of proof rests heavily on the creditor. Under Utah law, a lender cannot simply demand payment for the difference between your loan balance and the sale price of the vehicle without first meeting rigorous statutory requirements.

Challenging the Deficiency Balance: Your Legal Protections

When defending against deficiency claims in Utah, our firm scrutinizes the entire repossession and liquidation process. We focus on the following areas to determine if the creditor’s claim is legally enforceable:

The $3,000 Threshold Rule: Under Utah Code § 70C-7-101, if your vehicle was purchased on credit for a cash price of $3,000 or less, the creditor is generally barred from pursuing a deficiency balance entirely. We verify the original purchase price to determine if this statutory protection applies to your contract.
Verification of Commercial Reasonableness: UCC Article 9 requires that every aspect of a post-repossession sale—including the method, manner, time, place, and other terms—must be commercially reasonable. We investigate whether the vehicle was sold at a private auction for a fraction of its fair market value, which may invalidate the lender’s right to collect a deficiency.
Strict Compliance with UCC Article 9: While Utah law allows for self-help repossession, the creditor must strictly adhere to notice requirements. If Freedom Auto Group failed to provide proper notice of the sale or failed to account for the proceeds correctly, their claim for a deficiency may be compromised.

Immediate Steps if You Are Facing Collection Actions

If you are being pursued for an auto deficiency, taking proactive steps is essential to protecting your assets and credit standing:

Preserve All Documentation: Keep copies of your original purchase agreement, all notices received from the creditor, and any correspondence regarding the repossession.
Do Not Admit Liability: Avoid signing documents or making recorded statements to debt collectors that acknowledge the debt or waive your rights to contest the sale’s reasonableness.
Request a Detailed Accounting: You have the right to request a full breakdown of the deficiency calculation, including the gross sale price, costs of repossession, and any applicable credits or rebates.
Consult with Legal Counsel: Before responding to a summons or a demand letter, consult with an attorney to evaluate whether the creditor has complied with the Utah Consumer Credit Code and relevant UCC provisions.

At Cannon Legal PLLC, we provide a comprehensive review of your auto financing dispute to identify potential violations of state and federal law. By analyzing the commercial reasonableness of the sale and verifying the applicability of Utah’s consumer protection statutes, we help you determine the most effective path forward. To discuss the specifics of your situation and understand your options for challenging a deficiency claim, we invite you to schedule a free consultation with our team.