Law Office of Stephen B. Elggren P.C.: Who They Are and What to Do If They Contact You About a Business Balance

What Stephen B. Elggren, P.C. is

Stephen B. Elggren, P.C., listed by the Better Business Bureau at 8619 South Sandy Parkway, Suite 112, Sandy, Utah 84070, with additional addresses at 7390 South Creek Road, Suite 201, Sandy, 120 East 13065 South, Suite 202, Draper, and PO Box 1726, Draper, Utah 84020, the address that appears on its court filings; phone (801) 304-3600, fax (801) 304-9996. The BBB records the business as started and incorporated December 31, 1986, a corporation, alternate name Elggren & Van Dyke PC, owner Stephen B. Elggren, with attorney licence entries for Stephen Elggren and Paul Van Dyke, BBB file opened November 24, 2003, not BBB accredited, rated A+. The products and services line reads: legal practice, primary emphasis collections, creditors' rights and 504 SBA loan legal services. The profile shows one customer review, a one-star review from a person who says the firm lost a collection case against him and has not repaid a court-ordered amount; treat that as one person's account, not a finding.

FindLaw lists the firm under collections and repossessions at the South Creek Road address, updated February 2024. The firm does not appear to publish a website of its own.

What it is not: a funder, a lender or a merchant cash advance provider. There is no Elggren advance, no factor rate and no reconciliation clause of its own. If our earlier page led you to expect any of those, disregard it.

Where it appears in the court record

• Creditor notice address for equipment finance banks. Bankruptcy filings list LCA Bank Corporation c/o Stephen B. Elggren, Esq., PO Box 1726, Draper (Frontline Internal Medicine, Bankr. S.D. Ga. 24-60184, June 2024) and Milestone Bank c/o Stephen B Elggren PC (Elma Transport, Bankr. N.D. Ill. 25-09866, June 2025). Both appear in those cases as lenders to the debtor businesses.
• Nationwide reach. The firm appears on creditor schedules or notice lists in cases from Iowa, New Jersey, Tennessee, California, Mississippi, Georgia, Illinois and Maine between 2022 and 2026, including trucking companies (DB Transport, Elma Transport) and individual guarantors, which is what a creditor's-rights practice working for national lenders looks like in the record. CourtListener returns 33 dockets for the firm's name.
• Home Fashions International v. Plow & Hearth (E.D. Va. 3:24-cv-00571, July 2024): a notice of ineligible attorney was entered for Stephen B. Elggren as counsel for the plaintiff, a routine local-admission matter that shows the firm also files commercial suits outside Utah.

No regulatory action or disciplinary record against the firm was located in the sources checked.

Why a business owner hears from the firm

Because a creditor has placed the account with it. In the record that creditor is most often a bank or equipment lender; a merchant cash advance funder can place an account the same way. The firm is the creditor's counsel; the lease or agreement, the payment history, the personal guaranty and any UCC filing belong to the creditor, and that paperwork decides what can be argued. On an equipment account, repossession or replevin of the equipment is a live possibility and usually the moment owners call us.

What to establish from your own paperwork

• Which creditor, which agreement and what balance. Ask in writing, at PO Box 1726, Draper, UT 84020, for the creditor's name, the agreement date, the amounts financed or advanced, every payment or debit credited and the balance claimed.
• Whether a suit or judgment already exists, and where. Many equipment leases and MCA agreements choose the lender's home state; check Utah's court records as well as your own state's. If a summons exists, the answer deadline runs from service, usually 20 or 30 days.
• The reconciliation clause (MCA balances). If revenue fell and the funder refused or ignored a reconciliation request, that is the centre of most MCA disputes. Pull the clause and the request history.
• Whether the FDCPA applies. A merchant cash advance or equipment lease is a commercial transaction, so the federal Fair Debt Collection Practices Act generally does not apply. Utah collection rules, attorney conduct rules and the general prohibitions on misrepresentation still do.
• Any UCC filing, repossession right, confession of judgment or personal guaranty. These decide what can be reached and how fast. See how MCA debt relief works.

If a lawsuit has been filed

The plaintiff will be the creditor, with the firm as counsel. Answer before the deadline; a default judgment ends the negotiation and hands the creditor enforcement tools. See what to do if a creditor represented by Stephen B. Elggren, P.C. sues.

Can the balance be settled?

Usually, if the underlying account is real. Collection firms working on placement have every reason to close a file, and balances settle within limits the creditor sets; a documented revenue drop, bank statements and a realistic lump sum or schedule tend to be heard. See how a balance Stephen B. Elggren, P.C. is collecting can be settled.

Business Debt Adjusters reviews the agreement, the payment history and any filings, and tells you what is realistic before you commit to anything.

Sources

• BBB Business Profile: Stephen B. Elggren, P.C., Sandy, UT (not accredited, A+, started 12/31/1986, file opened 11/24/2003, alternate name Elggren & Van Dyke PC, services line)
• FindLaw listing: Stephen B. Elggren P.C., collections and repossessions, Sandy, UT
• CourtListener docket search: Stephen B. Elggren in federal dockets 2022 to 2026 (LCA Bank Corporation and Milestone Bank c/o the firm; Home Fashions International v. Plow & Hearth, E.D. Va. 3:24-cv-00571)

Facts on this page were checked against the linked sources on September 24, 2026. Business Debt Adjusters is not affiliated with, endorsed by, or authorized to represent the company described.