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 TD Auto Finance
When you finance a vehicle, you enter into a complex legal agreement that requires creditors like TD Auto Finance to adhere to strict state and federal regulations. If you are facing aggressive collection tactics, repossession threats, or you suspect unfair lending practices, you do not have to navigate the situation alone. At Cannon Legal PLLC, we represent Utah consumers in auto issues by holding lenders accountable to the law.
Whether you are dealing with a deficiency balance after a vehicle sale or believe your contract was compromised by predatory dealership practices, our experienced legal team provides the aggressive representation necessary to protect your rights.
Common Auto Financing Disputes in Utah
Many Utah consumers find themselves in difficult financial positions due to practices that may violate the Utah Consumer Sales Practices Act or the Uniform Commercial Code (UCC). We focus our efforts on identifying these discrepancies:
Hidden Fees and “Yo-Yo” Financing
Dealerships often pad loan documents with “junk” fees, such as unwanted GAP insurance or VIN etching services that were never authorized. Furthermore, “yo-yo” financing—where a dealer claims your financing fell through after you have already taken possession of the vehicle to force you into a higher interest rate—can be a violation of state law. We review your original financing documents to uncover these deceptive practices.
Wrongful Repossession and Breach of the Peace
Under Utah law and Article 9 of the UCC, repossession agents must conduct themselves without a “breach of the peace.” This means they cannot use physical force, threaten you, or ignore a clear, peaceful objection to the repossession. If your vehicle was taken in violation of these rules, you may have grounds for a claim against the creditor.
Improper Notices and Deficiency Balances
If TD Auto Finance repossesses your vehicle, they must follow strict procedural rules before pursuing a deficiency balance. They are required to provide proper Notice of Sale and ensure the vehicle is sold in a “commercially reasonable” manner. If the creditor fails to provide accurate notice or sells the vehicle at an unfairly low price, their right to collect the remaining balance may be legally challenged.
Legal Tip: If you have been served with a lawsuit regarding a deficiency balance, do not ignore it. Responding to the complaint is the first step in asserting your rights and potentially preventing a default judgment.
How Cannon Legal PLLC Advocates for You
We approach every case with a strategic focus on consumer protection statutes, including the Truth in Lending Act (TILA) and the Utah Consumer Credit Code. Our approach includes:
- Contract Audits: Identifying TILA disclosure errors or forged income information.
- Arbitration Defense: Aggressively navigating mandatory arbitration clauses to ensure your voice is heard.
- Stopping Harassment: Asserting your rights under federal law to cease abusive collection communications.
- Affirmative Litigation: Utilizing fee-shifting provisions in the law to hold creditors responsible for their misconduct.
Learn more about Cannon Legal PLLC and how our experienced team can help you formulate a defense strategy tailored to Utah law.
TD Auto Finance Contact Information
- Phone: 8005568172
- Mailing Address: PO Box 9223, Farmington Hills, MI 32255-0870
- Website: tdautofinance.com