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Lynn Ellen Coleman

Lynn Ellen Coleman

  • Arbitration & Mediation, Bankruptcy, Collections ...
  • North Carolina
Claimed Lawyer ProfileQ&A
Biography

I offer personal, compassionate assistance with debt and consumer law issues.

Practice Areas
    Arbitration & Mediation
    Business Arbitration, Consumer Arbitration, Family Arbitration
    Bankruptcy
    Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
    Collections
    Consumer Law
    Lemon Law
    Foreclosure Defense
Additional Practice Area
  • General Civil
Fees
  • 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.
Jurisdictions Admitted to Practice
North Carolina
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Texas
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Languages
  • English: Spoken, Written
Education
St. Mary's University School of Law
J.D. | Law
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Trinity University
B.S. | History, Political Science
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Professional Associations
North Carolina State Bar
Member
Current
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National Association of Consumer Advocates
Member
- Current
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National Association of Consumer Bankruptcy Attorneys
Member
- Current
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North Carolina Bar Association
Member
- Current
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Legal Answers
94 Questions Answered
Q. What can I do if my home was foreclosed and sold while my HAF application was pending? Can it be sold before the notice?
A: There are some facts missing from your description. Were foreclosure notices posted on the door and/or received in the mail? Did you attend the hearings and let the Clerk know you had an HAF application pending? Typically, the Clerk will grant an continuance of a foreclosure hearing if he/she knew there was an HAF application pending (if you showed up to the hearing with a verified application number and showed all documents necessary had been presented to NCHFA). Unfortunately, it's going to take some intensive review of the foreclosure file and your applications to determine if any wrongdoing occurred. This will likely require you paying a fee to an attorney and signing an authorization to request all documentation from the mortgage servicer. If you failed to show up to court and present your evidence and your mortgage was held by a private investor rather than Fannie, Freddie, etc., your failure to show up to court may have doomed you. I see way too many cases where the homeowner never went to court to prove there was an application for relief pending, and there is nothing that can be done to allege a wrongful foreclosure.
Q. Can I file bankruptcy for all my credit cards 2 loans medical bills and back taxes
A: You can always include taxes in a bankruptcy. The question is, will all or part of the tax debt be dischargeable? That depends upon whether or not you filed tax returns for those years and when the taxes were assessed. You should contact an expreienced bankruptcy attorney for a personal consultation to see if filing bankruptcy will achieve your goals.
Q. I’m trying to refinance my car loan and the person that co-signed for me will not sign the release form
A: Unfortunately, you cannot compel your co-borrower to cooperate with refinancing the car. I assume their name is also on the title. This means they own half of the car, and are equally liable for the loan payments. You also cannot compel them to sign any paperwork to sell the car if they do not want to. Your only option is to file an action for "partition", which is a long and involved process that is not easy to do without a lawyer and will be quite costly. The end result of a partition is that the car will be sold, the loan paid off, and the excess proceeds divided between you and the coborrower accourding to the findings of the court. Long story short, if you want to keep the car, you will have to keep the current financing. You will also not be able to trade in the car or sell it if the co borrower will not cooperate. You will have to drive it until it dies, take it to a junk yard and let the junkyard deal with the title issues. If it is wrecked, hopefully the insurance ill pay the loan off, but any excess money over the loan payoff will be paid by a check made out jointly to you and your co borrower, and you will not be able to cash the check without dealing with your co borrower. This is the reason why having a cosigned loan is often a huge problem that people do not think about when they urchase something on credit.
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Contact & Map
243 West Mountain St
KERNERSVILLE, NC 27284
Telephone: (336) 993-5955
Fax: (336) 793-9102
Monday: 9 AM - 5 PM
Tuesday: 9 AM - 5 PM
Wednesday: 9 AM - 5 PM
Thursday: 9 AM - 5 PM
Friday: 9 AM - 5 PM
Saturday: Closed
Sunday: Closed (Today)
Notice: By Appointment Only, No Drop In Hours