Consumer Financial Transaction

The Consumer Financial Transactions Clinic (CFTC) provides an opportunity for enrolled law students to represent clients in matters of consumer law and contracts with an emphasis on foreclosure defense, bankruptcy and defense against predatory lending and servicing. The goal of the clinic is to provide students with training in matters of Consumer Law and to assist low to moderate income citizens with help in preserving and protecting their assets. This clinic will accept cases through Legal Aid of North Carolina, other legal services entities and will accept walk-ins.

The CFTC Clinic seeks to serve clients throughout North Carolina to provide students with practicum experience in the State and Federal Courts throughout North Carolina.

The CFTC Clinic is staffed with law school students who qualify as Certified Legal Interns under 27 N.C. Administrative Code 1C, Section .0200, Rules Governing the Practical Training of Law Students. Students obtain certification from the NC State Bar during the first week of class and are assigned active cases immediately thereafter.

The Consumer Financial Transactions Clinic (CFTC) offers two courses: CFTC I – Law 9242 and CFTC II –Law 9244. Students enrolling in the Clinic for the first time should enroll in CFTC I. CFTC I is designed to teach the fundamentals of interviewing clients, managing case files and records, and client communication. The course also teaches basic foreclosure defense, basic bankruptcy law, the history of credit transactions and other basic Consumer Law. CFTC- I is a full semester course. Students desiring advanced practice and training in the law involved in consumer financial transactions should enroll the following semester in CFTC II. CFTC II students will experience increased court practice and will obtain increased opportunities for court filings due to the advanced nature of the Consumer legal matters.

To be admitted into the Clinic, students should have completed or should enroll simultaneously in one (1) of the following; Sales and Secured Transactions, Debtor/Creditor Law, Bankruptcy or Real Estate Finance and should have completed three full semesters of the total hours required for a J.D.. Potential students may contact Professor Pamela Thombs, the Clinic Director, in Room 30 or by email.

Potential clients should contact the Clinic at and can contact the Consumer Financial Transactions Clinic Director, Professor Pamela Thombs by calling the clinic office at (919)530-7166 to schedule a preliminary interview.