Free Consultation: (336) 993-5955Tap to Call This Lawyer
Lynn Ellen Coleman

Lynn Ellen Coleman

  • Foreclosure Defense, Bankruptcy
  • North Carolina
Review This Lawyer
Badges
Claimed Lawyer ProfileOffers Video ConferencingQ&A
Biography

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

Practice Areas
    Foreclosure Defense
    Bankruptcy
    Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
Additional Practice Areas
  • Collections Defense
  • Student Loan Law
  • General Civil
Video Conferencing
  • Skype
  • Zoom
  • WebEx
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
Placeholder image for jurisdictions.
Texas
-
Placeholder image for jurisdictions.
Languages
  • English: Spoken, Written
Education
St. Mary's University School of Law
J.D. | Law
-
St. Mary's University School of Law Logo
Trinity University
B.S. | History, Political Science
-
Placeholder image for education.
Professional Associations
North Carolina State Bar
Member
Current
Placeholder image for professional associations.
National Association of Consumer Advocates
Member
- Current
Placeholder image for professional associations.
National Association of Consumer Bankruptcy Attorneys
Member
- Current
Placeholder image for professional associations.
North Carolina Bar Association
Member
- Current
Placeholder image for professional associations.
Legal Answers
170 Questions Answered
Q. I went to the State Employee credit union in NC to open an account. I was a former client 18 years ago. I want to open
A: A credit union has no legal obligation to do business with you. Even though the unpaid loan is well past the statute of limitation and cannot be sued upon or collected on, you caused a loss of money to the credit union. Credit unions take this personally because they are member owned. You caused financial harm to their membership all those years ago.

They can't send you a demand letter to pay the loan. They can't put it on your credit report. However, they can say that if you want to choose to do business with us again, if you want to be a member again, you have to pay this loan back to make up for the harm you caused our members back then.

Take your business to a different credit union or a bank. Another credit union or a bank will not see that old loan at all, and they will be happy to do business with you. There is no need to tell any other financial institution about this because they will never know. ... Read More
Q. can the apartment management force me to use their internet/ISP instead of the one i've been using for the past 2 years?
A: You mentioned that you had spectrum cable in the other unit and I presume you paid for it in the other unit. If that lease required all residents to pay for internet and they offered a transfer on the same terms then yes they can make you continue to "pay double". It is not illegal for an apartment complex to require that all residents pay for the internet serrice they contract with even if you do not use the service.
Q. get default judgment dismissed for a credit card.im on SS & 69 ys old.can they put a lein. on my home
A: If you were properly served with the Summons and Complaint, it will be impossible to set aside a default judgment. You can go to the Clerk of Court and ask for the court file to review. If the summons return says you were personally served by the Sheriff or someone who resided with you was personally served, you were properly served. If the Summons and Complaint were served by certified mail or FedEx, there is an Affidavit of Service in the court file which should have a signature card attached or at least proof of where the summons and complaint were delivered. If they were delivered to your residential address, you were properly served.

If the summons and complaint was delivered somewhere that you did not reside, you might have a chance of getting the judgment set aside - but this is difficult to do without an attorney. You should contact the creditor's attorney and explain that you were not properly served and see if they will voluntarily vacate the judgment. They will, however, expect you to pay something on the debt unless you can also prove it was not your debt.

If you own you home in your name only, the judgment is already a lien on your home, behind the mortgages. Most creditors will not attempt to foreclose on the lien, they will wait until you pass and then enforce the lien upon your heirs. Your heirs will need to pay off the lien.

You may want to condider getting a "reverse mortgage" to pay off the lien. Only a certified housing counselor can discuss a reverse mortgage with you.

One other option is to make small payments on the judgment until it is paid off. If the attorney for the creditor insists that you pay something every signle month in an amount that you cannot afford, you can always take your payment to the Clerk of Court, who will accept any amount of payment and note the payment on the judgment docket.
... Read More
View More Answers
Contact & Map
402 East Mountain St
KERNERSVILLE, NC 27284
Telephone: (336) 993-5955
Fax: (336) 793-9102
Monday: 9 AM - 5 PM
Tuesday: 9 AM - 5 PM (Today)
Wednesday: 9 AM - 5 PM
Thursday: 9 AM - 5 PM
Friday: 9 AM - 5 PM
Saturday: Closed
Sunday: Closed
Notice: By Appointment Only, No Drop In Hours
Toggle tool

There are no recently viewed profiles.

There are no saved profiles.

There are no profiles to compare.