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 Truist fka BB&T Dealer Services in Utah? Know Your Rights.

If you are facing aggressive collection efforts, a deficiency balance demand, or the aftermath of a repossession involving Truist (formerly BB&T Dealer Services), you are not alone. Large financial institutions often rely on the assumption that Utah consumers will not challenge their documentation or collection practices. At Cannon Legal PLLC, we provide experienced legal advocacy to hold creditors accountable and defend your financial interests.

Whether you are dealing with a complex deficiency judgment or harassment from a debt collector, our firm understands the nuances of auto issues and the rigorous standards creditors must meet under Utah law.

Common Tactics and Regulatory Protections

Many consumers find themselves in a difficult position due to predatory practices originating at the dealership level or failures by the lender to follow strict state and federal statutes. We analyze your file for:

  • Hidden “Junk” Fees: Dealerships frequently pack financing agreements with unwanted add-ons like VIN etching or GAP insurance without clear disclosure. Under the Utah Consumer Sales Practices Act, deceptive or unconscionable acts in a consumer transaction are prohibited.
  • Yo-Yo Financing: If a dealer claimed your financing fell through to coerce you into signing a contract with higher interest rates or unfavorable terms, this may constitute a violation of state law.
  • Wrongful Repossession: In Utah, a repossession agent must abide by the Uniform Commercial Code (UCC) Article 9. They cannot commit a “breach of the peace.” If an agent used force, bypassed a locked gate, or ignored a clear, verbal objection, they may have acted illegally.
  • Deficiency Balance Violations: After a vehicle is repossessed, the lender is required to send a specific Notification of Sale. If they failed to provide proper notice or did not sell the vehicle in a “commercially reasonable” manner, they may be legally barred from collecting a deficiency balance.

Crucial Legal Tip: Do not admit liability or agree to a payment plan before having your original retail installment contract audited. Many creditors rely on consumers waiving their rights by making voluntary partial payments.

How Cannon Legal PLLC Protects Utah Consumers

Our approach is strategic and proactive. We utilize the Federal Truth in Lending Act (TILA) to ensure all APR and finance disclosures were accurate at the time of signing. We also aggressively challenge improper debt collection practices that violate the FDCPA. When appropriate, we leverage fee-shifting provisions found in various statutes to help our clients challenge large creditors without the typical financial barrier to entry.

If your case has been moved to arbitration, our experienced team can navigate the process, evaluate your right to opt-out, and represent your interests to ensure the creditor is held to their burden of proof. Learn more about Cannon Legal PLLC and our commitment to protecting Utah consumers.

Creditor Contact Information

If you are currently communicating with Truist regarding an auto debt, maintain detailed records of all interactions. For your reference, the contact information for the lender is as follows:

If you are facing a lawsuit or aggressive collection activity, do not wait for the situation to escalate. Schedule your free phone consultation today to discuss your legal options.