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Questions Answered by Lynn Ellen Coleman
1 Answer | Asked in Collections for North Carolina on
Q: Does waiting for surgery in a nursing home constitute normal place of residence

A person has been waiting for surgery for nine months. For one month he was unaware that his fractured hip surgery had become undone. He saw a trauma surgeon at a tertiary and he was advised of this separation and was referred to adult reconstructive surgery, he has to wait three months to see a... Read more »

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Jan 11, 2022

Rule 4j requires the summons and complaint be served either directly to the person or left with somone of suitable age and discretion at his "dwelling place or usual place of abode". Due to the person's length of time staying at the nursing facility, I think this would be proper... Read more »

1 Answer | Asked in Consumer Law and Business Law for North Carolina on
Q: Is this legal?

I recently hired a small cleaning service to deep clean my home and paid a $213 deposit. No contract was signed. The Monday prior to my Thursday appointment my family tested positive for covid. I contacted the business immediately. The owner has said that since she can’t find another appointment... Read more »

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Jan 6, 2022

Is it illegal as in the cleaning service can be charged with a crime? No. It's a dispute over the terms of a verbal contract. You say you were never told the deposit was non refundable. They say you were. With nothing in writing, this is a "he said, she said" situation with no... Read more »

1 Answer | Asked in Consumer Law and Contracts for North Carolina on
Q: Do I have to continue to pay my home alarm bill?

My system is a 2G. It is out of date, and the alarm company cannot monitor it. They will not upgrade it unless I sign a new 5 year contract. I have 1 year left on the current contract. I plan to cancel it then. They won't let me cancel now without paying the amount still left for the remaining... Read more »

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Jan 2, 2022

You did agree to pay for the entire term, but if they cannot provide the service you contracted for, they breache your contract. I am assuming you signed up for an automatic bank draft or automatic credit card payment. Depending upon how much you are paying, you may decide to just let it roll... Read more »

1 Answer | Asked in Consumer Law and Collections for North Carolina on
Q: I received a phone call yesterday about a payday loan from 2009 that was delinquent. One payment of $50 was made in 2018

The caller said they were going to garnish wages and file a judgment. In SC the statue of limitations is 3 yes. Can they still file this

judgment? The loan was in SC

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Dec 17, 2021

This is most likely a scam, because wage garnishment for debt is not allowed in either North Carolina or South Carolina. The collector threatened to do something it has no legal ability to do in an attempt to get you to pay. Google "payday loan collection scam" and see how common this... Read more »

1 Answer | Asked in Collections for North Carolina on
Q: I have hospital bill that I have been making payments for several months and they have accepted. Now is in collection.

Sent to collections without warning.is this legal ?

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Nov 24, 2021

Unfortunately, yes. At the time this bill was issued there was no requirement that a creditor warn you before sending an account to collections, even if they accepted what you could afford to pay for months. No creditor has any legal obligation to accept partial payments and they always have the... Read more »

1 Answer | Asked in Consumer Law and Collections for North Carolina on
Q: A civil judgment was placed against me on September 6, 2011.

A civil judgment was placed against me on September 6, 2011. I have not made payments on that judgment and still owe the money. Last week I received a civil summons regarding that judgment. I am assuming since it has been 10 years that they are “renewing” that judgment. If I do not respond... Read more »

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Nov 13, 2021

Yes, you are absolutely correct. You should contact an experienced collection defense and consumer bankruptcy attorney for specific advice. Bankrupty may be the best option - or not. You need to understand all of your options, and a bankruptcy attorney will explain the pros and cons of all options.

1 Answer | Asked in Consumer Law and Contracts for North Carolina on
Q: What do I do if I am unable to get answers to questions about my registration from Vroom? It is impossible get info.

Purchased my vehicle through Vroom and took delivery on June 11, 2021. I was told my registration could take up to 12 weeks. I am still waiting and have found out they do not even have my title in hand. They have provided me with 4 temporary tags and as of November 8th my car will be unregistered.... Read more »

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Oct 26, 2021

You need to contact the Department of Motor Vehicles License and Theft section. A nationwide car dealer was ordered to shut down in NC recently when they did this kind of tactic. Copy and paste this link https://www.ncdot.gov/dmv/offices-services/locate-dmv-office/Pages/dmv-offices.aspx... Read more »

2 Answers | Asked in Consumer Law, Admiralty / Maritime and Constitutional Law for North Carolina on
Q: In N.C. , I have a judgement entered against me for a renewal for unpaid personal loan from 1995,

original judgement was 6-04-01, first renewal was 09-23-11, was just curious is that outside the statute of 10 years to get renewal, and latest paper work only shows date of sept 2011 no mention of previous date, amount of loan was approx $3000

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Oct 12, 2021

If the second lawsuit to collect on the unpaid judgment was filed on or before June 4, 2011 (10 years from the date the first judgment was signed), it does not matter that the second judgment was not entered until July 23, 2011. By the way, they can only renew once. The second judgment entered... Read more »

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1 Answer | Asked in Consumer Law for North Carolina on
Q: Can I sue a dealership that sold me a used, faulty car and didn’t sign the paperwork?

I just got the car last year it’s been ongoing problems ever since. I signed the paperwork thinking they would sign after me but they left it blank.. I just noticed the blanks recently.

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Oct 7, 2021

There is no "lemon law" for used cars in North Carolina. Most used car sales are "as is". Unless some warranties or promises were made about the car's condition, or you can prove through qualified expert testimony that the dealership knowingly and intentionally concealed... Read more »

2 Answers | Asked in Bankruptcy, Consumer Law, Contracts and Construction Law for North Carolina on
Q: So I hired a contractor to build a pergola on my patio. I paid the down payment of $3775.00 and no work what can I do?

After 2 different reschedules, no show no call on the third reschedule. I had to track down information and I find out the owner was closing business financial problems this was on August 30. I have yet not received any paperwork from a lawyer stating he has filed bankruptcy. I went and file... Read more »

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Oct 7, 2021

There is no time limit on filing bankruptcy. He could wait years to do it, if he ever even files. There is, however, a time limit on you filing a civil suit against him for breach of contract and fraud. If you were to sue him in the county where the work was performed you would have to file the... Read more »

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1 Answer | Asked in Consumer Law and Products Liability for North Carolina on
Q: Can I sue me storage facility if my unit was broken into and it was no cameras facing the unit do to them being moved.

When the insurance company contact the office they hadn't even filed a report. Now they have increased my storage unit by almost 50 bucks. We have pictures of the locked being broke and none can tell us how long it has been this way.

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Oct 1, 2021

You can sue them, the question is, will you win? First of all, your insurance company may be willing to take the lead on this. It's called "subrogation". They sue the responsible party to try and get a judgment for the money they paid out to you on the insurance claim plus your... Read more »

1 Answer | Asked in Consumer Law for North Carolina on
Q: According to state law USC 1662B (North Carolina), am l actually required to make a down payment to purchase a car?
Lynn Ellen Coleman
Lynn Ellen Coleman answered on Sep 14, 2021

USC is not a State law. "USC" stands for United States Code, which is Federal law. I cannot tell which US Code section you are referring to because you did not include the first section (--UCS----). However, there is no law, State or Federal, that requires a down payment to puchase a... Read more »

1 Answer | Asked in Consumer Law for North Carolina on
Q: What happens if newly sold travel trailer isn't claimed by new owner even after trying to contact him?

The actual sale was made during January 2021. I cannot locate the new owner. Only contact from new owner was in May 2021 was by text and stated "you can keep the camper".

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Sep 10, 2021

I would set aside the money that was paid so that if he reaches back out to you, you can give him the money back. Did you give him the title or not? Print out the text message and make yourself some good detailed notes about what happened. If you listed iit for sale on a web site, print out the... Read more »

1 Answer | Asked in Foreclosure for North Carolina on
Q: My home is about to go into foreclosure the home I’m renting month to month , do I have to pay rent still

The landlord has to go to court on the 16th , the notice I got says he owes 72000 for 3 homes and if he didn’t pay it’s going into foreclosure

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Sep 3, 2021

Yes, you still have to pay your rent. NC law does not allow tenants to withhold rent. If you do not pay rent, the current owner can sue you for the rent money (even though he has apparently not paid the mortgage). Since you are month to month, he can also terminate your lease with as little as 7... Read more »

1 Answer | Asked in Consumer Law, Contracts and Collections for North Carolina on
Q: I need to reply to a summons, 6 1/2 hours away in anther sate. Debt is time bared. How do I deal with this?

I had a loan from a bank in Tifton, GA. I paid as promised until I lost my job. Even then I paid them $ 3,000 in Aug of 2013. At that time I asked for the debt to be forgiven. I NEVER heard from the bank again. No letter, no payment book as promised, if, it would not be forgiven. No registered... Read more »

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Aug 27, 2021

You need to hire a lawyer in Georgia ASAP to handle this for you. If you do not answer, a default judgment will be entered against you, and you lose your right to plead your statute of limitation defense. Some loan contracts are signed "under seal", which gives a 10 year statute of... Read more »

1 Answer | Asked in Landlord - Tenant for North Carolina on
Q: Landlord..If the rental lease expire aug 31 and no rent has been paid in 3 mos can I make the tenant leave

Even doing pandemic….there’s no contract/lease for September

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Aug 25, 2021

You need to give them 7 days' notice that you will not be renewing their lease and they need to vacate as of August 31. If they are not out as of August 1, you can try pursuing summary ejectment, but check the second box on form AOC-CVM-201 which says "The lease period ended on the above... Read more »

2 Answers | Asked in Land Use & Zoning for North Carolina on
Q: I have a truck that is supposed to be repoed is there a way to keep it?

This truck has been sitting in my parking spot for a long time on my property. I havent made the payment in over a month. I haven't been contacted via email,text, call, or mail. I'm wondering if it would be possible to keep the truck after it been there for so long. (Storage lien or... Read more »

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Aug 25, 2021

You need to contact the lender and try and make arrangements. It is not illegal if they refuse to work with you. No Judge or anybody can force a car lender to change the terms of their contract. Get any agreement in writing. Oral promises are not enforceable.

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1 Answer | Asked in Consumer Law and Landlord - Tenant for North Carolina on
Q: What are reasonable deductions to hold from a security deposit?

I have a tenant that is wanting security deposit back, we have itemized damages done to home by an animal and are not charging tenant for normal wear and tear. The tenant is being charged a move out clean because home was not cleaned. Animal ripped siding off of back of home tenant never replaced... Read more »

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Aug 4, 2021

NCGS 42-50 is the statute that requires the trust account for a deposit. There is no case law interpreting penalties for failure to comply. NCGS 42-51 outlines permitted uses of the security deposit and NCGS 42-52 outline your obligations. So long as you are passing along actual cost and not... Read more »

1 Answer | Asked in Consumer Law, Personal Injury and Products Liability for North Carolina on
Q: I have been using J&J product for 2 years now and it had definitely caused me a lot of hair loss, can I sue them?

I’m having issues with my scalp, hair loss (lots of it) doctor visits and etc. knowing this I’m feeling like I have been frauded and taken advantage of.

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Jul 20, 2021

You will need qualified medical expert testimony that establishes the product caused your injury in order to have a good case. Product liability cases are very difficult to handle without a lawyer. I recommend you have a personal consultation with a personal injury lawyer to evaluate your case.

1 Answer | Asked in Civil Litigation and Collections for North Carolina on
Q: Can I bring suit against a former business partner for outstanding & defaulted credit card debt tied to me?

I have statements showing charges tied to him, none of which were made by me. I need help recovering the funds and working with the credit card company to resolve this. After many hours spent on calls trying to determine how and when this happened (initially thinking the card was fraudulently... Read more »

Lynn Ellen Coleman
Lynn Ellen Coleman answered on Jul 12, 2021

What did your partnership agreement say about who was to be responsible for what? Was the debt incurred for business purposes or personal purposes? In very general terms, you would resolve the issue with the bank that issued the credit card. Then, yes you could sue the former partner for paying... Read more »

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