Section 101 – Restriction on deficiency judgments in consumer credit sales.

70C-7-101. Restriction on deficiency judgments in consumer credit sales. (1) If a seller repossesses or voluntarily accepts the surrender or return of goods that were the subject of a consumer credit sale and in which the seller has a security interest to secure a debt arising from the sale of goods or services or a […]

Section 102 – No garnishment before judgment.

70C-7-102. No garnishment before judgment. Prior to entry of judgment in an action against a debtor relating to a consumer credit agreement, the creditor may not attach unpaid earnings of the debtor by garnishment or like proceedings. Enacted by Chapter 159, 1985 General Session

Section 103 – Definitions — Limitation on garnishment.

Effective 3/27/2014 70C-7-103. Definitions — Limitation on garnishment. (1) As used in this part: (a) “Disposable earnings” means that part of the earnings of an individual remaining after the deduction from those earnings of amounts required by law to be withheld. (b) “Education loan” means a loan subject to this title, or notwithstanding Subsection 70C-1-202(2)(h)(ii)(B)(II), […]

Section 104 – No discharge from employment for garnishment.

70C-7-104. No discharge from employment for garnishment. No employer may discharge any employee because his earnings have been subject to garnishment in connection with any one judgment. Enacted by Chapter 159, 1985 General Session

Section 105 – Extortionate extensions of credit.

70C-7-105. Extortionate extensions of credit. If it is the understanding of the creditor and the debtor at the time an extension of credit is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property […]

Section 106 – Unconscionability.

70C-7-106. Unconscionability. (1) With respect to a consumer credit agreement, if the court finds the agreement or any part of the agreement to have been unconscionable at the time it was made, the court may refuse to enforce the agreement, or it may enforce the remainder of the agreement without the unconscionable clause if that […]

Section 107 – Notice of negative credit report required.

Effective 5/12/2020 70C-7-107. Notice of negative credit report required. (1) As used in this section: (a) “Creditor,” in addition to its definition under Section 70C-1-302, includes an agent of a creditor engaged in administering or collecting the creditor’s accounts. (b) “Credit reporting agency” means any credit bureau, consumer reporting agency, association of lending institutions, association […]