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North Carolina Consumer Law Questions & Answers
0 Answers | Asked in Contracts and Consumer Law for North Carolina on
Q: Can I cancel a car buyer's order I signed in NC if no payment was made?

I signed a buyer's order for a car in North Carolina yesterday, March 22nd, but I have not made any payments or taken the car off the lot yet. I didn't notice any specific terms or cooling-off period in the agreement. Can I back out of this order?

0 Answers | Asked in Landlord - Tenant and Consumer Law for North Carolina on
Q: Tenant exceeded pet limit and claims emotional support animal. What are my rights?

I am a landlord and my tenant has exceeded the allowed number of pets specified in our lease agreement, which permits only two cats and one dog. After discovering multiple dogs barking near my property, the tenant has now sent a letter claiming one of the extra dogs is an emotional support animal,... View More

1 Answer | Asked in Animal / Dog Law, Consumer Law and Contracts for North Carolina on
Q: Can I sue someone from Craigslist for selling me a misrepresented dog breed?

I purchased a dog from a seller on Craigslist who advertised it as an 11-month-old purebred Pomeranian for $400. The listing explicitly stated "Pomeranian," and the seller implied the dog was purebred, mentioning I was getting "a really good deal." Upon receiving the dog, I... View More

Lynn Ellen Coleman
Lynn Ellen Coleman
answered on Mar 18, 2025

You can always try, but the issue is, how likely would it be that you would win? How much are your damages (how much is the dog you received worth)? With no written contract and no requirement for papers, its a "he said, she said" situation. Court costs are around $180.00 for small... View More

1 Answer | Asked in Banking, Consumer Law and Civil Litigation for North Carolina on
Q: Can I sue Navy Federal for a key fee after a repo without notice?

I'm considering suing Navy Federal for charging a $360 fee to make a new car key after repossession. They provided instructions for retrieving my car but failed to inform me that I needed to return the original key. Upon contacting them, they insisted they informed me about the key... View More

James L. Arrasmith
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answered on Mar 24, 2025

You might have a potential small claims case against Navy Federal, depending on your state's laws and the specific terms in your loan agreement. The key fee could be contested if you can prove they failed to properly inform you about returning the original key, especially if this requirement... View More

0 Answers | Asked in Consumer Law for North Carolina on
Q: Clarification on Metronet flyer pricing wording accuracy.

I have a question about the accuracy of the wording in a Metronet promotional flyer for their 150/150Mb internet plan. The flyer advertises an initial price of $34.95 for the first twelve months, with a price increase of $10 "per month" beginning in the thirteenth month. Does this wording... View More

1 Answer | Asked in Civil Litigation, Consumer Law and Contracts for North Carolina on
Q: I sent $8,200 to Liaz Legacy Solutions LLC in Statesville, NC, but they never provided the service. What should I do?

I sent $8,200 to Liaz Legacy Solutions LLC in Statesville, NC, for a service, but they never provided the service and have been giving me the runaround. They mailed me back a copy of the cashed check, and the compound interest is now $200. The transaction occurred on 10/24/2024. I want to sue them... View More

Lynn Ellen Coleman
Lynn Ellen Coleman
answered on Feb 27, 2025

You can sue them in small claims court in Iredell County or any other county where they do business. This is a corporation so you will need to go to the Secretary of State's office and get their registered office and registered agent for service.

You will not be able to recover...
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0 Answers | Asked in Consumer Law and Civil Litigation for North Carolina on
Q: Dealership refusing to honor warranty for car with 88,000 miles.

I am the original owner of a car with a 100,000 mile/10-year powertrain warranty, which became active in 2016 and covers issues like excessive oil consumption. The car currently has 88,000 miles. Despite meticulously maintaining the vehicle, the dealership is refusing to honor the warranty, citing... View More

0 Answers | Asked in Identity Theft, Consumer Law and Civil Litigation for North Carolina on
Q: Can I sue McDonald's for identity theft by their manager in NC?

In 2017, I accidentally left my wallet at a McDonald's in Kitty Hawk while on vacation. The wallet, containing $1500, gift cards, and my personal information, was stolen by the McDonald's manager, who has since been imprisoned. As a result, I've been dealing with significant identity... View More

0 Answers | Asked in Car Accidents, Consumer Law and Insurance Bad Faith for North Carolina on
Q: Totaled car, GAP insurance issue with $5,943.69 balance and refund delay. Legal action?

I was in an accident on January 18, 2025, and my car was totaled. I financed the vehicle through Mazda and had GAP insurance included in my contract. My insurance, Progressive, covered $30,000 for the vehicle with a $1,000 deductible, leaving a balance of over $10,000 on my loan. GAP insurance only... View More

1 Answer | Asked in Civil Litigation, Consumer Law and Contracts for North Carolina on
Q: Can I refile my dismissed case as Pro Se and file for Summary Judgment in NC?

I am a plaintiff in North Carolina. A month ago, I dismissed my case without prejudice due to difficulties with upfront attorney fees. The case involves four counts: Unfair Business Practices, Breach of Contract, Fraud, and Money Had and Received. I plan on refiling the case as Pro Se and intend to... View More

Lynn Ellen Coleman
Lynn Ellen Coleman
answered on Feb 22, 2025

If you are going to represent yourself, you MUST familiarize yourself with the North Carolina Rules of Civil Proceudre in their entirety, as well as your Local Rules of Court and the General Rules of Practice. Pro se do not get a break, you are held to the same standards as an attorney.... View More

1 Answer | Asked in Consumer Law, Contracts and Civil Litigation for North Carolina on
Q: How can I recover my $200,000 from a fraudulent transaction?

A woman from another nation offered $200,000 to two people in my church, with a requirement of paying $1,500 upfront. We each complied, and while others received their money, she is refusing to send me the $200,000. We have a written agreement. I've threatened to expose her on social media.... View More

Lynn Ellen Coleman
Lynn Ellen Coleman
answered on Feb 22, 2025

"From another nation"? Are you saying you were a victim of an online scam? If so, Your best option is to report the issue to law enforcement. If law enforcement says this is a civil act, then they wll not accept the case. Exposing this person on social media will only lead to this person... View More

1 Answer | Asked in Consumer Law and Insurance Defense for North Carolina on
Q: Can I sue an insurance company for not repairing my car 9 years ago, citing lack of full coverage, although it was required for my financed vehicle?

Can I sue an insurance company for not repairing my car 9 years ago due to their claim that I didn't have full coverage, even though my financed vehicle required proof of full coverage to drive it off the lot? The insurance company said they would repair the other party's car but not... View More

Lynn Ellen Coleman
Lynn Ellen Coleman
answered on Feb 17, 2025

The statute of limitation for breach of contract in North Carolina is three years from the date of the breach. You have waited too long to take legal action. If you sue, you will not win.

1 Answer | Asked in Consumer Law and Collections for North Carolina on
Q: Being sued for debt but summons was delivered to the wrong address and not signed by me - what should my next step be?

I discovered recently that a lawsuit was filed against me due to my Discover debt. I had no knowledge that it was assigned to an attorney's office. I was on the Mecklenburg court site to verify something regarding a different situation and I seen the lawsuit information. The summons was served... View More

Lynn Ellen Coleman
Lynn Ellen Coleman
answered on Feb 4, 2025

You will need to file a motion to set aside the entry of default due to faulty service under Rule 60. If it was served by mail, an affidavit from you will be required with proof of your correct address. You will likely need a lawyer to help you because there are no "forms" for this Motion... View More

1 Answer | Asked in Consumer Law, Contracts, Legal Malpractice and Small Claims for North Carolina on
Q: My attorney used all of my retainer then withdrew from my case a few days later. Can i get a partial refund?

Attorneys grounds for withdrawal are said to be medical issues.

If I have to pay another attorney to familiarize themselves with my case, does that not make at least a large portion of my withdrawing attorneys fees that have been charged useless? It appears malicious to send a bill using... View More

Lynn Ellen Coleman
Lynn Ellen Coleman
answered on Jan 13, 2025

Your attorney is entitled to be compensated based upon the terms of your fee contract. It is impossible to predict if the attorney's retention of the retainer is justified because we do not know when the medical issues arose. You are entitled to an explanation of what work the attorney did,... View More

1 Answer | Asked in Consumer Law, Criminal Law, Federal Crimes and Municipal Law for North Carolina on
Q: North Carolina handgun & ammo related question.

Let's say I'm currently over 18 and under 21. I'm looking to have a parent purchase the firearm/ammo through a FFL to the give to me through private sale as a Gift. However, I'd like them to use a credit card or the store credit card that's in my name. Would this violate any laws?

James L. Arrasmith
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answered on Jan 10, 2025

This scenario raises several legal concerns. Using your credit card for a firearm purchase that's officially being made by your parent could be considered a "straw purchase" - where someone buys a gun on behalf of another person who can't legally buy it themselves. Federal law... View More

3 Answers | Asked in Consumer Law and Bankruptcy for North Carolina on
Q: I put up a title for a loan, but the title was sent back to me by mistake, what could the title company do ?

The DMV told me that the tiitle was satisfied which means it has no lien on it, I am having some financial difficulties , what actions could they take ?

W. J. Winterstein Jr.
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W. J. Winterstein Jr.
answered on Dec 27, 2024

I've had cases where such a lender goes to non-bankruptcy court with a plea of either unilateral or mutual mistake, and gets the title back by court order, but no damages award.

You don't state the value of the auto. If your fiscal problems are serious, speak to an experienced...
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1 Answer | Asked in Consumer Law and Business Law for North Carolina on
Q: Is there a way to get the money back?

Bought a suit and within the hour changed my mind, went to cancel/refund and only then was I informed about their “no refund policy” but was instead given store credit. Just seems awfully sketchy on their end if there’s nothing that can be done.

Tim Akpinar
Tim Akpinar
answered on Jan 8, 2025

A North Carolina attorney could advise best, but your question remains open for two weeks. It could come down to a matter of whether the store used adequate measures to give the public notice of their refund policy. Since the pandemic, some stores have implemented stricter return policies. Good luck

1 Answer | Asked in Consumer Law and Civil Litigation for North Carolina on
Q: How can I handle this miscommunication or confusion with my insurance and then being extra charged because of that?

I was dealing with mi car insurance about rates jumping up too high for my next policy and used the chat option that their app have, the person that I interacted with misunderstood what I wanted, I wanted to change my next policies rates and he changed my current one and now they are expecting me... View More

Tim Akpinar
Tim Akpinar
answered on Dec 13, 2024

A North Carolina attorney could advise best, but your question remains open for three weeks. You should be able to remedy this without attorneys. Keep trying to reach them on the phone. It looks like this mix-up resulted limitations in clear communication because of the chat session. Over the... View More

1 Answer | Asked in Consumer Law and Products Liability for North Carolina on
Q: What type of Lawyer would handle a problem with builder quality issues of my custom built home.

3000 sq ft LVP flooring installed and separating. Flooring not installed per Mfg instruction ( ie acclimate flooring prior to install and have HVAC running after to keep temp 55 -85 ) . Installed by builder in Feb before HVAC was running ( No HVAC til March) Mfg takes no responsibility. Builder... View More

Tim Akpinar
Tim Akpinar
answered on Nov 26, 2024

A North Carolina attorney could advise best, but your question remains open for a week. You ask what type of lawyer. What you describe sounds like something that a construction law attorney could handle. Good luck

1 Answer | Asked in Consumer Law, Contracts, Collections and Internet Law for North Carolina on
Q: online order, Mail Carrier lost, 4 months, 30 recorded calls, 20+emails, told them to cancel, getting billed & late fees

I ordered something that should have been delivered May 10th that "Mail" lost. Never left GA warehouse, I'm in NC. Never left "Mail" hands. Conns was denied claim by "Mail" because they did it wrong, I can't claim b/c I'm not the 'entitled... View More

James L. Arrasmith
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answered on Aug 31, 2024

You need to take immediate steps to protect yourself. Start by sending a formal, written demand letter to the retailer's corporate office in Texas, clearly stating the issue, your demands, and a deadline for resolution. Reference your prior communications, including the dates and outcomes of... View More

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