Lynn Ellen Coleman

I offer personal, compassionate assistance with debt and consumer law issues to persons in the Piedmont Triad area of North Carolina.

• Collections Defense
• Student Loan Law
• General Civil

• Free Consultation
  I offer a free online or telephone consultation.
• Credit Cards Accepted
  Debit cad only for bankruptcy. Credit card (all major cards) for other areas.
• Contingent Fees
  For certain consumer law cases only.
• Rates, Retainers and Additional Information
  I offer flat fees, contingency fees, and hourly fees depending upon the nature of the case.

North Carolina

Since 2000

Texas

1986-2000

St. Mary's University School of Law

J.D. | Law

1983 - 1986

Trinity University

B.S. | History, Political Science

1979 - 1982

North Carolina State Bar

Member

Current

National Association of Consumer Advocates

Member

2010 - Current

National Association of Consumer Bankruptcy Attorneys

Member

2009 - Current

North Carolina Bar Association

Member

1999 - Current

Q. Is this extortion?

April 7, 2024

A: There is nothing illegal about this. Citibank (who I believe issues the cardit card) has the right to change the terms of your card at any time by notification. Any bank can close your card if you do not use it after a certain amount of time, as well. Accepting the reduced credit limit will hurt your credit score less than having it closed altogether.

Q. Foreclosed house, auction set, bank says I can sell before auction. Can the bank force separated wife to sign contract?

April 2, 2024

A: Unfortunately, no Bank can force your ex to sign the necessary paperwork for the sale. The time for getting a Judge to do that has passed, and whether or not that was possible depends upon the equitable distribution/separation agreement that you and your ex had in place. I assume that's what you spent $14k in attorneys fees on. Hopefully there will be a lot of bids on the house and you will come out with some net proceeds from the sale.

Q. Motor repair cost $15,000, warranty company is covering $10,000 cap, 3 weeks after purchase. Is this even legal?

April 1, 2024

A: An attorney would have to review the warranty itself to make sure that all covered charges are being paid for. How much is the deductible (the amount you have to pay for repairs). Is there a limitation on how long you have to own the car before the warranty will come in to effect, or a limitation on how much the warranty will pay within the first few months or miles driven? No lawyer on an advice website can advise you specifically without reviewing all of the documents you signed at purchase. "Less than 3,000 miles" in 30 days sounds like over 2,500 miles. This seems like a lot of miles in 30 days, so maybe there is a mileage limitation that allows the warranty company to pay less?

Technically yes, this is allowed under NC law. Your financial issues have nothing at all to affect the rights you have under the contracts you signed. North Carolina has no "lemon law" for used cars. Contact an attorney directly who is licensed in North Carolina who can review the contract for you. I wish you the nest of luck and I am sorry you are in this situation. ... Read More