This page will provide an overview of Utah's Repossession Laws and what you should know if you've fallen behind on car payments. Edit, sign, and share repossession statement utah online.No need to install software, just go to DocHub, and sign up instantly and for free. Defending Against a Deficiency Lawsuit. After the sale, the lender may file a lawsuit to recover the deficiency owed in a repossession case. If you are behind in payments on your vehicle loan, a Chapter 7 bankruptcy filing can temporarily protect your vehicle from repossession. Many forms and resources are available on our website. If your vehicle meets all of the criteria, your next step is to file a complaint with the Division of Consumer Protection in the Department of Commerce. Obtain written documentation of the car's repossession after you drop it off. Legal service of civil papers depends upon the type of process and is outlined in the Utah Rules of Civil Procedures.