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.

Dealing with Regional Acceptance Corporation (BB&T) in Utah?

Receiving notice of a lawsuit or a demand for a deficiency balance after your vehicle has been repossessed creates significant pressure. When Regional Acceptance Corporation initiates legal action, the situation requires a measured, strategic response to protect your financial standing and your access to transportation. At Cannon Legal PLLC, we assist residents across Utah in evaluating the merits of these claims and developing a robust defense strategy. If you are currently facing legal action, we also provide support for Defending General Debt Lawsuits to ensure your rights are upheld throughout the litigation process.

The Legal Reality for Utah Consumers

Utah law permits creditors to engage in self-help repossession under UCC Article 9, provided that the process does not result in a breach of the peace. However, this does not grant the creditor an unrestricted path to claim a deficiency balance. We scrutinize whether the repossession was conducted lawfully and whether the subsequent sale of the vehicle met the standard of commercial reasonableness. Furthermore, under Utah Code § 70C-7-101, creditors are strictly prohibited from pursuing deficiency balances on vehicles purchased on credit for a total amount of $3,000 or less. If your vehicle falls into this category, the creditor may be legally barred from seeking further payment.

Ignoring a court summons from a creditor is a critical error that often leads to a default judgment. Once a judgment is entered, the plaintiff may gain access to aggressive collection tools, such as wage garnishment or bank account levies. Respond to all legal notices within the court-mandated timeframe to preserve your ability to contest the allegations.

How We Fight Back

At Cannon Legal PLLC, we focus on holding creditors to the strict standards of evidence required by law. We can help you navigate the process through the following targeted services:

  • Contract Review: We examine your original loan documents to identify hidden fees, interest rate discrepancies, or potential TILA violations that may undermine the creditor’s claim.
  • Repossession Investigation: We assess the circumstances of your vehicle’s recovery to determine if a breach of the peace occurred, which could serve as a basis for a counterclaim.
  • Deficiency Balance Litigation: We challenge the accuracy and legality of the amount claimed, ensuring that the creditor has met all statutory requirements before attempting to collect.

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