Lynn Ellen Coleman

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

Foreclosure Defense

Bankruptcy

Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief

• 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. Can I get Walmart to fix my car if after an oil change my engine messed up.

November 25, 2023

A: You should not have it towed to a WalMart first. Instead, have the car examined by a mechanic of your choice first and if that mechanic believes an error with the oil change caused the issue, get that opinion in writing. Then, have the car towed to WalMart for inspection and provide WalMart with a copy of the opinion.

You generally have to pay for all repairs and consequential damages like a car rental, hotel, etcetera and then seek reimbursement from the at fault party. There is no way to quickly force them to cover those expenses for you. You also have a duty to mitigate your damages, in other words don't wait in a hotel in Virginia for a week and then have the car towed. You take care of it yourself and seek reimbursement. ... Read More

Q. My gym cancelled my membership because they said I was doing something outside the gym but not related to my membership.

October 24, 2023

A: This is very difficult to answer because we cannot see your membership contract. There are no laws regulating gym memberships in North Carolina other than one saying the maximum length is three years, and the contract must cleary disclose the right to cancel and how to cancl - for the buyer (not the gym). My thinking is that you would have to prove a civil rights violation (as in, they cancelled you because you are a minority while other members who engaged in similar conduct who were not minorities were allowed to remain members). If you want to file a complaint about this you may file one with the North Carolina Attorney General's office at (copy and paste the link)

https://ncdoj.g ov/file-a-complaint/consumer-complaint/ ... Read More

Q. Repossession by Bank of America with no notice had scheduled payment to make current that drafts Monday

October 15, 2023

A: A lawyer needs to see the car loan agreement in order to accurately answer your question. In general, the lender is not required to give you advance notice of a repossession. Repossession from a public area is not illegal. Repossession on a Saturday is not illegal. Most likely, if you were late on the payment under the terms of the loan, what they did is allowed and you will not only have to bring the loan current but you will also have to pay all late fees, repossession fees and storage fees in order to get the car back. You may have claims against the repo agent if they damaged the car in the process.