Homeowner & Consumer Protection
When a debt collector comes after your home, we fight back.
Here for Homeowners
We defend North Carolina homeowners against unfair and unlawful debt collection by HOAs, condo associations, and property management companies.
WE ONLY WORK FOR ONE SIDE
We have never represented a debt collector and we never will.
If your HOA is using a lien or foreclosure to collect fees you may not even owe, we want to hear from you.
Affording Legal Help
Our first conversation is always free.
We never charge to talk through your situation and tell you honestly whether we can help.
If We Can Help
We can't take every case. When we do, it's usually on a contingency fee, meaning our fee comes out of money we recover for you. We will explain before we take your case exactly how costs are handled.
Home is Everything
In North Carolina, a private entity like an HOA can take your home without a judge, a jury, or a trial.
The North Carolina Debt Collection Act protects your rights as a consumer and homeowner.
Call us to discuss a lien, a foreclosure notice, or a debt letter that doesn't make sense to you.
We'll take a look. That's what we do.
About Dawn
Dawn Milam is a North Carolina attorney and community advocate with deep experience in criminal justice, constitutional law, and civil rights.
She hates bullies.
Dawn earned her J.D. with Honors from the University of North Carolina School of Law, where she served on the Law Review Editorial Board and explored every Chapel Hill park with her toddler . . . who has inexplicably become a teenager.
Before she was a mom or lawyer, Dawn was a public schoolteacher. She lives in Charlotte with three kids, two cats, and a cavapoo.
Her office is a minivan. She considers that a feature.
