Dealing with Professional Finance Company, Inc. in Utah?

Discovering a surprise wage garnishment or a default judgment can be distressing, but it is important to recognize that procedural errors often occur during the debt collection process. If you were never properly served with the initial lawsuit, you may have valid grounds to challenge the court’s decision. Cannon Legal PLLC works with Utah residents to address these legal hurdles, aiming to restore your financial stability and ensure your rights are protected throughout the litigation process. For those considering all paths forward, Understanding Bankruptcy Options may be a relevant step in your evaluation.

The Legal Reality for Utah Consumers

In Utah, legal judgments remain enforceable for eight years and possess the potential for indefinite renewal if the plaintiff files a timely motion before the expiration date. When a creditor pursues wage garnishment, state law limits the amount they can collect to the lesser of 25% of your disposable earnings or the portion exceeding 30 times the federal minimum wage. Notably, private student loans are subject to a more restrictive 10% cap under Utah Code § 70C-7-103, providing a specific layer of protection for certain borrowers.

Ignoring a court summons or failing to respond to a legal notice can result in a default judgment, which grants the creditor significant power to seize assets or garnish wages. Act immediately upon receiving notice to preserve your ability to contest the claims.

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 evaluate whether you were properly served with the original summons and, if not, we move to overturn improper default judgments.
• Negotiating Judgment Settlements: We work to reach favorable terms with creditors to resolve the debt and stop collection actions.
• Facilitating Title Company Payoffs: We assist in negotiating the release of property liens to ensure you can sell or refinance your home without interference.

Creditor Contact Information

• Phone: 800-864-4391
• Email: info@pfccollects.com
• Mailing Address: 5754 W 11th St, Ste 100, Greeley, CO 80634
• Website: pfccollects.com

More Utah Resources

• Judgments Defense in Utah
• Complete Directory of Judgments Creditors