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. I've been receiving phone calls from someone saying they are a litigation service and claim I owe money. Is it legit?

November 17, 2024

A: Continue to ignore them, this is a scam. You can report the calls to the North Carolina Attorney general's office. Block the calls and eventually they should go away. "Litigation service" is your first clue of scam, and claiming you took out a payday loan that you cannot remember taking is the second clue of scam. These scammers threaten to sue despite having no intention of doing so.

Q. I am not married , I have 20k in credit card debt. I own my car ( value of car is less than 5k) I am on the deed

October 22, 2024

A: NO. Your half of the home is an asset. You need advice from a qualified North Carolina licensed attorney. Please have a personal consultation with one. Many offer free consultations. Out of state lawyers are trying to be helpful by copying and pasting our exemption statutes here on this general advice board, but nothing other than a direct, personal consultation with an experienced consumer bankruptcy attorney who regularly practices in your District in North Carolina will give you accurate advice.

Q. 20k CC debt , home free and clear ( no mortgage) I have to put as an asset( tax value 289k) can I file Chp 7 ?

October 22, 2024

A: No, your house will be taken by the Trustee and sold to pay your debts if you file Chapter 7. You can only exempt (protect from creditors) anywhere from $35,000.00 to $60,000.00 of equity in your home. PLEASE do not try and file bankruptcy without an attorney! This is a good example of how doing so would be a costly mistake. See a qualified consumer bankruptcy attorney to determine if a Chapter 13 bankruptcy is a viable option or of other nonbankruptcy ways to deal with your debt problems are available. Do NOT use a "debt relief" company that advertises in the mail, over the phone, or on the Internet. Get advice from a North carolina licensed attorney, ONLY.