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.

Are You Facing Legal Action from Global Lending Services in Utah?

If you are being pursued by Global Lending Services (GLS) regarding an auto loan dispute, you are not alone. Many Utah consumers find themselves navigating complex litigation involving subprime auto financing, aggressive deficiency balance claims, and potential violations of federal and state consumer protection laws. At Cannon Legal PLLC, we provide experienced representation to those holding creditors accountable for their conduct in the marketplace.

When you are targeted for an auto loan deficiency or predatory lending practices, the burden of proof rests on the lender. Our firm is dedicated to analyzing the details of your contract and the lender’s actions to determine if they have acted in accordance with Utah law.

Common Auto Lending Issues in Utah

Auto financing disputes often stem from systemic issues at the point of sale or during the collection process. Understanding your rights is the first step in building a strong defense.

“Yo-Yo” Financing and Contract Manipulation

Often referred to as “spot delivery,” this occurs when a dealer allows you to drive off the lot only to contact you later, claiming your financing “fell through.” They then demand you sign a contract with higher interest rates or different terms. This practice is heavily scrutinized under the Utah Consumer Sales Practices Act, which prohibits deceptive and unconscionable acts in consumer transactions.

Hidden Fees and Unfair Add-ons

Many consumers discover that their loan balance was inflated with “junk” fees, such as unauthorized GAP insurance, VIN etching, or extended warranties that were never requested. When these costs are rolled into your loan without clear, accurate disclosures, it may constitute a violation of the Federal Truth in Lending Act (TILA).

Breach of the Peace and Wrongful Repossession

Under UCC Article 9, repossession agents are strictly prohibited from committing a “breach of the peace.” They cannot use physical force, break locks, or ignore an explicit objection to the repossession. If a lender or their agent violates these standards, it may provide significant leverage in your defense.

Commercial Reasonableness and Deficiency Claims

If your vehicle was repossessed and sold, the lender is legally required to send a Notification of Sale and ensure the vehicle was sold in a “commercially reasonable” manner. If they failed to provide proper notice or sold the vehicle for an unreasonably low price, they may be barred from collecting a deficiency balance. We review these notices to ensure the creditor followed every legal requirement.

Legal strategy is not about reacting to a lawsuit; it is about demanding the creditor prove every element of their claim under the law. We aim to identify procedural errors in their documentation and leverage those findings to protect your assets and credit.

How Cannon Legal PLLC Protects Utah Consumers

Navigating Auto Issues requires an aggressive, tactical approach. Whether you are dealing with a debt lawsuit or constant collection harassment, we assist clients by:

  • Conducting a forensic review of your original retail installment contract to uncover TILA violations or forged income documentation.
  • Evaluating whether to challenge mandatory arbitration clauses to keep your case in a court of law.
  • Enforcing FDCPA protections to put a definitive stop to abusive collection calls and harassment.
  • Filing affirmative lawsuits when appropriate, utilizing fee-shifting provisions to hold creditors accountable for their violations.

Learn more about Cannon Legal PLLC and our commitment to protecting the rights of Utah residents against major creditors.

Global Lending Services Contact Information

If you are attempting to resolve an issue directly, use the following contact details, but proceed with caution when speaking to their representatives:

Schedule your free phone consultation today