Utah Predatory Lending Defense

Challenge Unfair Loans and Regain Your Financial Freedom

In Utah, “freedom of contract” often means lenders charge triple-digit interest rates. However, even without a strict state interest rate cap, you are protected against “unconscionable” lending practices. At Cannon Legal PLLC, we identify the legal flaws in predatory agreements—from payday loans to high-interest installment plans—to help you modify terms, forgive debt, or recover overpayments.

High-Interest & Predatory Loans in Utah

  • Unconscionable Terms: Under Utah Code 70C-7-106, a loan that “shocks the conscience” can be challenged. We argue your case when a lender has used your financial distress to force a one-sided, abusive deal.

  • Payday Loan Rules: We enforce Utah’s 10-week limit on interest and your right to a no-interest Extended Payment Plan (EPP).

  • Earned Wage Access (EWA): We leverage Utah HB 279 to protect you from hidden fees in “on-demand pay” services.

  • The 2026 Total Price Rule: Effective July 1, 2026, Utah HB 29 requires lenders to disclose the “total price” of a product clearly. If they hid mandatory fees, we hold them accountable.

Our Recovery Process

  • Document Audit: We review your loan for Truth in Lending Act (TILA) violations and “junk fees.”

  • Direct Negotiation: We demand debt forgiveness or term modifications from lenders who violated Utah’s unconscionability standards.

  • Litigation: If a lender refuses to cooperate, we sue to recover your overpayments. We often work on a contingency fee basis—you only pay if we win.

Common Questions About Predatory Lending

Don’t Let a Predatory Loan Sink You

Take the first step toward debt relief. Let our Utah consumer advocates review your loan for free

Call us today at (800) 890-8585