Debt Defense Utah Introduce
When you find yourself facing the overwhelming pressure of debt collection, it can feel like a stressful and isolating experience. For Utah residents in this situation, finding a knowledgeable and effective legal advocate is a critical first step. Debt Defense Utah, a firm with a primary focus on consumer protection, is dedicated to helping individuals fight back against debt collection lawsuits and illegal collection practices. Led by attorney Ron Addy, the firm specializes in a variety of debt-related issues, from credit card and medical debt to eviction-related debt. They are committed to providing a strong defense for clients, helping them understand their rights under laws like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practice Act (FDCPA).
The firm’s approach is centered on fighting for clients in court, with an emphasis on trial law. As one satisfied client explained, thanks to Ron Addy's "experience and skill," they were able to leave court owing "Zero" on a $40,000 credit card debt. This testimonial highlights the firm's ability to achieve remarkable outcomes through diligent work and legal expertise. Debt Defense Utah offers a service that goes beyond simple settlement negotiations; it is a firm that is prepared to take on major creditors and collection agencies to defend your rights and your financial well-being. This kind of aggressive and effective defense can be a "miracle worker" for those facing difficult life circumstances.
The legal landscape of consumer debt is filled with complexities that can be challenging to navigate alone. Creditors and collection agencies often rely on the fact that individuals do not know their rights or are too intimidated to fight back. Debt Defense Utah stands as a powerful counter to this dynamic. Their work in areas such as the Fair Debt Collection Practices Act is particularly important for consumers, as it holds collectors accountable for harassment, deception, and other illegal actions. By choosing a specialized firm like this one, you are not only defending yourself against a lawsuit but also asserting your right to be treated fairly under the law.
Debt Defense Utah is conveniently located in the Holladay area, making it easily accessible for clients throughout the Salt Lake Valley and beyond. The office can be found at 4609 S 2300 E Ste. 103B, Holladay, UT 84117, USA. This location offers a professional and comfortable environment for discussing sensitive financial and legal issues.
The firm is committed to ensuring that their legal services are accessible to everyone. The office features a wheelchair accessible entrance, a wheelchair accessible parking lot, and a wheelchair accessible restroom. These accommodations help to ensure that all clients can comfortably and easily access the legal assistance they need, without facing unnecessary physical barriers.
To provide the most focused and productive experience, Debt Defense Utah recommends that prospective and current clients schedule an appointment. This practice allows the attorney to dedicate a specific block of time to your case, ensuring that you receive the full, uninterrupted attention necessary for a thorough and effective consultation.
Services Offered
- Debt Defense: Expert legal representation for individuals facing lawsuits from creditors and collection agencies.
- Credit Card Debt: Assisting clients with legal challenges related to high-interest credit card debt.
- Medical Debt: Helping individuals navigate and defend against collections for unpaid medical bills.
- Eviction Debt: Providing legal counsel for debt resulting from evictions.
- Fair Credit Reporting Act (FCRA) Claims: Representing clients in cases involving inaccurate or misleading credit report information.
- Fair Debt Collection Practice Act (FDCPA): Taking legal action against debt collectors who engage in illegal and abusive collection practices.
- Telephone Consumer Protection Act (TCPA): Assisting clients with claims against companies that use robocalls and automated dialing systems without consent.
- Debts Discharged in Bankruptcy: Providing guidance on how certain debts can be handled through bankruptcy proceedings.
Features / Highlights
- Specialized Focus on Consumer Debt: The firm is an expert in a niche area of law, providing deep and focused knowledge for debt defense.
- Trial Attorney: Prepared to take on cases in court, offering a strong defense against creditors who push for litigation.
- Free Consultation: The firm offers an initial consultation to discuss your case, helping you understand your options before making a commitment.
- Client-Centric Approach: The firm's focus is on providing personalized and professional service, with a goal of achieving the best possible outcome for each client.
- Local Expertise: With an office in Holladay, the firm has a strong understanding of Utah's legal system and courts.
- Commitment to Accessibility: The office features a wheelchair accessible entrance, parking, and restroom, ensuring a welcoming environment for all.
- Appointments Recommended: This practice ensures that each client receives the dedicated and personalized attention they deserve.
Contact Information
Address: 4609 S 2300 E Ste. 103B, Holladay, UT 84117, USA
Phone: (801) 746-3500
What is worth choosing
When you're overwhelmed by debt, choosing a lawyer who truly specializes in this area is paramount. Debt Defense Utah, and attorney Ron Addy, offer a unique and compelling advantage for residents in the Utah area. Unlike general practice lawyers who might handle debt cases on the side, this firm’s sole focus is on helping people defend themselves against creditors. This specialization means they have an in-depth understanding of the complex consumer protection laws, a factor that can be a game-changer when you're up against large collection agencies. The success story of a client who owed "Zero" on a $40,000 debt is a powerful testament to the firm’s specialized skill and effectiveness.
The firm's reputation as a trial attorney is another significant factor that makes them a top choice. While many debt cases are settled, having an attorney who is prepared to go to court and fight for you can make a huge difference in the outcome. Creditors often rely on the assumption that a debtor will not have legal representation or that their attorney will not be willing to litigate. Debt Defense Utah challenges this assumption, often leading to more favorable outcomes for their clients. This willingness to take a case to trial demonstrates a serious commitment to their clients' well-being and a belief in their right to a fair defense.
Finally, the firm’s commitment to client communication and a client-focused approach, while it may have had a mixed review in one isolated instance, is part of a larger, stated philosophy to build trust and provide peace of mind. The firm’s willingness to communicate directly with clients, even providing a cell phone number in one review, shows a dedication to personalized service that many larger law firms cannot match. While one review highlighted a frustrating experience, it's important to note the same reviewer still called the attorney a "solid lawyer" with a "very solid win rate." For Utahns looking for a professional and highly specialized legal partner to stand up to creditors, Debt Defense Utah offers a powerful and effective solution that is hard to find elsewhere.
Debt Defense Utah Services
Trial Attorney
- Debts Discharged in Bankruptcy
If you have discharged a debt in bankruptcy and are still being collected upon by the creditor, we sue the creditor for violating the bankruptcy discharge injunction. We collect our fees from the creditor.
- Fair Credit Reporting Act Claims
We sue companies placing false, damaging statements on your credit report. We collect our fee from the company we sue for you.
- Fair Debt Collection Practice Act
We sue abusive debt collectors and recover damages for the consumer. We collect our fee from the abusive debt collector.
- Telephone Consumer Protection Act
If your cell phone is being blown up by robo-callers, we sue robo-callers. We collect our attorney fees from the robot-caller.
- credit card debt
- eviction debt
- medical debt
Debt Defense Utah Details
Accessibility
- Wheelchair accessible entrance
- Wheelchair accessible parking lot
- Wheelchair accessible restroom
Amenities
- Restroom
Planning
- Appointments recommended
Debt Defense Utah Photos

Debt Defense Utah Location
Debt Defense Utah
4609 S 2300 E Ste. 103B, Holladay, UT 84117, USA
Debt Defense Utah Reviews
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★ 5★ 4★ 3★ 2★ 1We allegedly owed $40,000 to a major credit card. Thanks to Ron’s experience and skill we left court owing Zero! What more can be said. A true miracle worker when you are facing difficult life circumstances.
November 19 · Stephen WrightI hired Ron for several cases of debt defense. The first two were smooth sailing and he handled everything for me. He charges a fee to represent you which makes perfect sense to defend the debt. Simply wonderful trust built between he and I. I then had a 3rd case that took longer to get through the court system (3 years or so) due to COVID. I was patient throughout the process and nudged Mr. Addy every couple of months to get an update. He assured me that all things were good to go and all was as normal.As there are no guarantees with these types of cases, and he was forward with that, eventually I got an email that said "Plaintiff has offered a walk-away, which means you recover nothing from the Plaintiff, and it takes nothing from you. "This meant that I could walk away and another win for myself and Mr. Addy. His recommendation was to reject the offer. This is where it kind of gets a little tricky. I assume all of the blame here as he communicated to me that I could just go ahead and win, but because of my relationship on two prior cases, I trusted that Mr. Addy would be able to win some additional things (his chance to get paid by asking for attorney fees etc - this is all sorta cloudy to me as I never really needed to know or understand what all Mr. Addy would receive for this additional part of the law) for himself again. Again, I want to stress TRUST in my lawyer and that he is an EXPERT and PROFESSIONAL that does this for a living.A few months later, Mr. Addy called me to inform me that we lost the defense. He was really surprised and told me that we could then go back for a settlement but it would take some time. I said go ahead.I was also in the process of waiting to move from Utah to Missouri and part of this was holding up my life. Well, I communicated with Mr. Addy that I was moving and could we speed things up or figure this out before I move. I got a very brief text back and when trying to get more of his time through e-mail and phone calls, he just stopped talking to me.The debt was for just over $4,000. The judgement against me with interest was nearly $8,000 after interest and court costs.I sold my home and had to pay this money. Mr. Addy did not respond to any follow-up communication and sent me on my way.I write this review because I think Mr. Addy is a solid lawyer, but does lack some personal skills with clients. I don't know what it's like to be a lawyer, but cases like this weigh on people quite a bit. Some peace of mind from their lawyer would be nice.Secondarily, I write this review for everyone that ever works with a debt defense lawyer. If they communicate with you that the plaintiff is offering a walk-away... TAKE IT! Do not take the advice of Mr. Addy to reject the offer. It offers nothing to you to take that risk. You are at risk so Mr. Addy can make more money from your case. That was nearly an eight thousand dollar lesson I learned.Lastly, I requested through voicemail if Mr. Addy would be willing to help offset some of the costs since I decided to take his advice so he could get some money from this case with me assuming all the risk, and he never called me back.I wish Mr. Addy all the best. I do believe he is a good lawyer with a very solid win rate. I just am very bitter over my experience and am still steaming about not just taking the walk-away. He never even offered to give me my initial payment back or anything.All the best to everyone and Mr. Addy.
December 19 · Mike FlanaganA debt collector sued me for over $20K on an alleged credit card debt. Mr. Ady's office was very active in defending against the debt collector's claims, and Mr. Ady repeatedly asserted to the court that the debt collector could not prove its claims. There were settlement offers along the way, but ultimately I decided to take my case to trial. The court ruled in my favor and the debt collector's claims were dismissed. I highly recommend Mr. Ady's services.
June 01 · Mauricio BorbaI couldn't be more pleased about the representation I received. He provided exceptional service. Once he was hired, he immediately started working on my case and it has now been resooved. He kept me in the loop the whole way. I am truly grateful!
June 03 · Marvin CaldwellRonald is not like any other lawyer. He exudes professionalism, attention to detail, and a degree of tenderness coupled with tenacity. He immediately built trust by listening closely and taking the time to answer every question I asked. His reasoning was sound and he made me feel like I was his #1 client. While I hope I will never need a lawyer again I will save his email just in case. When you’re lucky enough to find someone like him you don’t want to lose his contact info!
November 19 · January Walker
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