Dealing with Cavalry Portfolio Services in Utah?

Discovering a surprise wage garnishment or a default judgment can be an overwhelming experience. If Cavalry Portfolio Services has initiated legal action against you, it is vital to act with precision. Many consumers find themselves in this position because they were never properly served with the initial lawsuit, leading to a judgment entered without their knowledge. At Cannon Legal PLLC, we focus on identifying these procedural errors to help you regain control of your financial situation.

The Legal Reality for Utah Consumers

In Utah, legal judgments remain active for eight years and can be extended indefinitely through timely motions. If a creditor obtains a judgment, they may pursue wage garnishment, which is limited by law to the lesser of 25% of your disposable earnings or the amount exceeding 30 times the federal minimum wage. Notably, private student loans carry a stricter 10% garnishment cap under Utah Code § 70C-7-103. Because these actions carry long-term consequences, you may also want to consider Understanding Bankruptcy Options as part of your broader financial strategy.

Failure to respond to a court summons or ignoring a notice of garnishment can lead to the loss of your legal rights to contest the debt. Once a judgment is finalized, the window to challenge the underlying claim closes significantly. Always treat court documents as urgent matters requiring immediate professional attention.

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:

• Filing Motions to Vacate: We examine the history of your case to determine if you were properly served, aiming to overturn default judgments that were entered improperly.
• Negotiating Judgment Settlements: We advocate for reasonable settlement terms to resolve the debt, often aiming to reduce the total balance or establish manageable payment structures.
• Facilitating Title Company Payoffs: When a judgment creates a lien on your property, we work to negotiate and clear those liens to allow for smooth real estate transactions.

Creditor Contact Information

• Phone: 866-483-5139
• Mailing Address: 1 American Ln, Suite 220, Greenwich, CT 06831
• Website: cavalryportfolioservices.com

More Utah Resources

• Judgments Defense in Utah
• Complete Directory of Judgments Creditors