Dealing with Cavalry Portfolio Services in Utah?

Discovering a surprise wage garnishment or a default judgment from a third-party debt buyer like Cavalry Portfolio Services can be an overwhelming experience. Many Utah residents find themselves in this position because they were never properly served with the original court documents, leading to a judgment entered without their knowledge. At Cannon Legal PLLC, we focus on identifying procedural errors in the service of process and challenging the validity of these judgments to help you regain control of your financial future.

The Legal Reality for Utah Consumers

In Utah, legal judgments remain active for an eight-year period and can be extended indefinitely through timely motions filed by the creditor. If you are facing wage garnishment, the law provides specific protections; typically, this is limited to the lesser of 25% of your disposable earnings or the amount exceeding 30 times the federal minimum wage. Furthermore, private student loans are subject to a more restrictive 10% garnishment cap under Utah Code § 70C-7-103. If you are considering your long-term financial recovery, you may also find value in Understanding Bankruptcy Options as a potential path forward.

Ignoring a court summons or a notice of garnishment in Utah can lead to permanent financial consequences. If you have been served, you must act within the court-mandated timeframes to avoid losing your right to contest the claims against you.

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 court record to determine if you were improperly served, which may allow us to overturn a default judgment and reopen your case.
• Negotiating Judgment Settlements: We aim to reach favorable resolution terms with creditors to satisfy the debt without further litigation or asset seizure.
• Facilitating Title Company Payoffs: If a judgment has created a lien on your property, we work to negotiate and clear the title so you can proceed with refinancing or selling your home.

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