Lynn Ellen Coleman’s Answers

Lynn Ellen Coleman

Kernersville Lawsuit / Dispute Attorney.

Contributor Level 14
  1. Can a debt collector - ADR Arbitration - threaten me with papers being served for a debt of $570.00. I am in NC. Iredell county.

    Answered 6 months ago.

    1. Lynn Ellen Coleman
    2. Sheree Cameron
    3. Adrian M. Lapas
    3 lawyer answers

    No Sheriff is likely to show. This agency is not a licensed debt collector in NC. They can threaten, but this is a red flag. See the NC Attorney General web site at http://ncdoj.gov/getdoc/416f4628-dca7-458d-8096-83f60466fc84/2-2-3-16-Debt-Collectors.aspx and also read the similar questions on this message board for more detail.

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  2. Could you advise me with what to do to help get SSA Disability approved? My son has tried to be approved for mental issues.

    Answered 7 months ago.

    1. Lynn Ellen Coleman
    2. Gentry C. Hogan
    3. Joseph Peyton Tunstall III
    3 lawyer answers

    Speak to a qualified attorney ASAP. You may have limited his potential benefits by putting in a new application, rather than appealing the denial. If you have been handling this on your own to this point, it is time for a qualified advocate. He does not have to pay a fee unless he wins his case, and the consultation is free. Your question is too complicated to answer in this forum. It would require a thorough review of his medical and mental health records. It is generally difficult for a...

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  3. Is a 12 year old phone bill past the statue of limitations on debt collection?

    Answered 12 months ago.

    1. Lynn Ellen Coleman
    2. Michael Christopher Burr
    3. Kevin Bernard Zazzera
    3 lawyer answers

    I would never even consider paying a debt without something in writing. I would ask them to verify which address they allegedly sent something to you at, and ask them to send something again. You can also ask them for their mailing address, and then send them a letter disputing the debt and asking for verification. This is a licensed collection agency in North Carolina so this is probably not a scam. You are correct in that the statute of limitation has probably expired but I would be...

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  4. My daughter owes Cone Hospital $4100-Emergency -n insurance- Has home worth $100,000 owes $60,000 can they collect using home eq

    Answered 8 months ago.

    1. Lynn Ellen Coleman
    2. Christian K. Lassen II
    3. Michael Glynn Busby Jr.
    4. Robert J Adams Jr.
    4 lawyer answers

    It is unclear if you are asking this on behalf of your daughter who is over 18, or if you are asking on behalf of yourself because your minor daughter incurred medical bills that you are responsible for. You also do not mention if you own your house by yourself or jointly with someone else (like your spouse). Additional information about these things would be helpful. In general terms - a creditor can sue and get a judgment even if you owned nothing. Just because you own property which is...

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  5. Does this happen?

    Answered 24 days ago.

    1. Lynn Ellen Coleman
    2. Andrea Winters Morelos
    2 lawyer answers

    That scenario is extremely unlikely to happen. Read what the NC Attorney general says about payday loans here where he says Internet payday loans are not legally enforceable in North Carolina. http://ncdoj.gov/Consumer/Credit-and-Debt/Payday-Loans.aspx You can also read about their unscrupulous debt collection techniques here http://ncdoj.gov/News-and-Alerts/Alerts/Don’t-Fall-For-Phony-Debt-Collectors.aspx

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  6. In a case for Equitable Distribution, can a pro se wife give power of attorney to her son in order to defend a Motion?

    Answered 6 months ago.

    1. Lynn Ellen Coleman
    2. Rixon Charles Rafter III
    3. Christian K. Lassen II
    3 lawyer answers

    Her son cannot act as her attorney. She has to appear personally in court for all matters. The Judge may allow a child to speak during a Motion hearing, but he cannot present her case for her. She can also put her statement or explanation in writing if she is afraid to speak, but whatever she writes will be shared with opposing counsel and her husband (you cannot have secret communications with a Judge). There are attorneys who will agree to help out and represent individuals for a limited...

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  7. How can I get my SSI back. They canceled my SSI because of my husbands income. Because of my health I need my SSI. Please help.

    Answered 7 months ago.

    1. Lynn Ellen Coleman
    2. Clint Curtis
    3. Ingrid Arnalda Morfa
    4. D K Kevin Dugan
    5. Marian Kathryn Misterovich
    5 lawyer answers

    If you did not work enough before you became disabled, you do not have enough work credits to get regular Social Security disability. You should probably have a qualified attorney or representative review your documentation to see if your disability began before your date last insured. You should also apply for family medical insurance under the Affordable Care Act (Obamacare). Ask your doctors about local sources who can help pay for medications.

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  8. Settling a debt requested as paid in full -- possible?

    Answered about 1 month ago.

    1. Lynn Ellen Coleman
    2. Derek R. Caldwell
    2 lawyer answers

    Collection agencies are not required to report anything to the credit bureau. If they do report to the credit bureau, they have to report truthfully. What you are asking them to do is report a lie to the credit bureau, as a favor to you for paying them something rather than nothing. Perhaps you read that some collection agencies are willing to do this, but there is no way to force them to lie as a favor to you. If you do pay a settlement, be sure and get the exact terms of the settlement...

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  9. Re-aging debt/ credit bureau refuse to investigate properly

    Answered 3 months ago.

    1. Lynn Ellen Coleman
    2. Daniel Tam
    2 lawyer answers

    You need to take the disputes you have already made, the responses you received, and your credit reports to a qualified attorney. Look for one at www.naca.net

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  10. Can a credit repair comnty take me to court

    Answered 3 months ago.

    1. Lynn Ellen Coleman
    2. Shaye Larkin
    3. Blake Owen Brewer
    3 lawyer answers

    This company may have violated the law in more ways than one. First of all, they are threatening to sue you and take a civil judgment for the balance you allegedly owe them under your contract with them. Theoretically they could do that but if they don't normally sue customers who stop payment on their contracts when they are unhappy with the service, and they have no intention of suing you, what they said is a misrepresentation under NCGS 75-51. Second of all, they probably violated the law by...

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