ACA Open Enrollment Is Here

To schedule a free in-person appointment, individuals can call the statewide navigator hotline, 1-855-733-3711 or go to ncnavigator.net.

The Open Enrollment Period for 2020 health insurance coverage started Nov. 1 and runs through Dec. 15, giving consumers 45 days to enroll in health coverage from the Federal Health Insurance Marketplace.

Despite confusion around the Affordable Care Act (ACA), the ACA and its protections remain the law: financial assistance is still available to eligible consumers; individuals cannot be denied coverage or charged more due to a pre-existing condition, such as cancer or diabetes, among others.

Last year, more than 90 percent of North Carolinians who enrolled in Marketplace coverage were eligible for financial assistance, which can lower monthly premiums and out-of-pocket expenses. .

Mecklenburg County also had the highest number of enrollments in the state in with 60,229 residents signing up for 2019 coverage. Of those who enrolled, 53,878 residents received financial assistance; 16,655 enrolled for Marketplace coverage for the first time.

As a member of the N.C. Navigator Consortium, Charlotte Center for Legal Advocacy’s team of health insurance navigators are available to help consumers understand their health insurance options through both the Health Insurance Marketplace and Medicaid.

Navigators are federally certified and required to provide objective, non-biased information about all healthcare options available. Navigators from the Charlotte Center for Legal Advocacy will be assisting consumers at different community locations in Cabarrus, Mecklenburg and Union counties during open enrollment.

Open Enrollment Navigator Sites

  • Beatties Ford Road Library
  • Cabarrus Health Alliance
  • Charlotte Center for Legal Advocacy
  • CMC Myers Park
  • CMC Northpark
  • CPCC-Main Campus
  • El Puente Hispano
  • Goodwill Industries

  • Independence Library
  • Latin American Coalition
  • Mecklenburg County Health Department
  • Monroe Library
  • New Beginnings Church
  • Union County Human Services
  • West Boulevard Library


Watch Julieanne Taylor explain to WBTV’s “On Your Side Tonight” what consumers need to know for Open Enrollment.

The Advocacy Center will also host enrollment events every Wednesday from 4 p.m. to 8 p.m. and every Saturday from 9 a.m. to 4 p.m. at the Charlotte Center for Legal Advocacy satellite office located at 1524 Elizabeth Avenue, in Charlotte. On Saturdays, walk-ins are welcome until 3 p.m.

A final enrollment event will be held Sunday, Dec. 15, noon to 8 p.m. at 1524 Elizabeth Avenue in Charlotte.

To schedule a free in-person appointment, individuals can call the statewide navigator hotline, 1-855-733-3711 or go to ncnavigator.net.

All consumers – new and renewing – are encouraged to return to the Marketplace during Open Enrollment to explore their options and enroll in health coverage. For individuals renewing coverage, it is important to review application information and 2020 plan options because plans and prices change every year.

What are the benefits?

By signing up for health insurance, consumers may receive free preventive care, which includes

  • well-women visits
  • physical exams
  • regular screenings
  • wellness tests

The ACA has made insurance more accessible and affordable to consumers, and consumers can find quality, affordable plans through the Health Insurance Marketplace. If you can afford health insurance but choose not to buy it, you may face high out of pocket costs if you have a medical emergency or need to visit a doctor.

To qualify for financial assistance through the Health Insurance Marketplace, individuals must meet the following requirements:

  1. Have household income between 100% and 400% of the Federal Poverty Level. Certain immigrants are eligible even if income is below the poverty line.
  2. Be a U.S. citizen or lawfully present immigrant. This includes green card holders, refugees, asylees, U visa holders, work and student visa holders, TPS, among others.
  3. Not eligible for affordable employer-based coverage, Medicaid, or Medicare.

Special Enrollment Periods

After December 15, some individuals may be eligible to enroll for coverage through a Special Enrollment Period. Special Enrollment Periods are available for individuals who recently experienced a major life change, such as a permanent move, the birth of a child, or a newly obtained immigration status. If you qualify, then you may enroll in Marketplace coverage within 60 days of the change. It is important to note that you can also enroll for coverage under Medicaid and CHIP all year long.

If you have questions about your health coverage options, navigators are available the entire year to assist consumers understand their options, enroll in Marketplace or Medicaid coverage, report changes to the Marketplace, understand their medical bill, and assist with Marketplace appeals.

To contact a Navigator to schedule a free, in-person appointment, consumers can call to 1-855-733-3711 or go online to ncnavigator.net.

Learn more about Charlotte Center for Legal Advocacy’s Health Insurance Navigator Project

Access to Justice Campaign Kicks Off for 2020

Nearly 500 local supporters, attorneys, community leaders and advocates gathered to celebrate ACCESS to legal assistance in our community at the 13th annual Justice for ALL breakfast Oct. 23.

The event officially kicked off the 2020 Access to Justice Campaign benefiting Charlotte Center for Legal Advocacy and Legal Aid of North Carolina, raising more than $90,000 toward our $500,000 goal.

Timika Shafeek-Horton, chair of the 2020 Access to Justice Campaign, reiterated how critical individual support is for the viability of these organizations and more importantly, our broader community:

“Simply put: the more financial resources each organization has, the more individuals and families in need they can serve in the ways that have the greatest impact. By supporting more families, our community will be stronger for everyone as we work together to address issues of equity, fairness, mobility and opportunity.”

Check out highlights from
Justice for ALL 2019!

Join the movement to build a more just community in which all know stability and are empowered to find opportunity.

donate button

The Access to Justice Campaign is currently underway and runs through the end of the year. Those who contribute a leadership gift of $1,000 or more by November 30 will be recognized as Access to Justice Champions during #GivingTuesdayCLT 2019 on December 3.

Why support the
Access to Justice Campaign

There is a justice gap in Mecklenburg County, and it plays a role in our community’s stability. One in three residents is low-income, and 71 percent of low-income residents are likely experiencing a civil legal issue that has significantly affected their lives.

However, with limited resources between the Advocacy Center and Legal Aid, there is one legal aid attorney for every 11,500 low-income residents. Families are in desperate need of legal assistance, but they can’t afford it. A friend can’t help; a church can’t help; a social worker can’t help—these families need a lawyer who understands what to do in front of a judge when stability is on the line.

Last year’s campaign raised more than $500,000 thanks to the generous support of the community and members of the Mecklenburg County Bar.

The Advocacy Center and Legal Aid use these funds to provide coordinated legal assistance that responds to rapidly changing community needs.

The Access to Justice Campaign is the most stable funding source these organizations depend on to serve the community because it it provides flexibility when traditional funding sources go away.

Together, Charlotte Center for Legal Advocacy and Legal Aid of North Carolina fight on their behalf every day to ensure fairness under the law that preserves stability and allows them make ends meet.

Marles Recognized as YWCA Emerging Leader

Natalie Marles

YWCA Central Carolinas recognized Natalie Marles with the Emerging Leader Award during its Woman of Achievement Awards event Oct. 17 for her work ensuring marginalized people have access to health care, knowledge and justice. 

The annual awards event honors three generations of women who exemplify the YWCA’s mission of eliminating racism, empowering women, and promoting peace, justice, freedom and dignity for all.

An immigrant from Bogotá, Colombia, Marles is committed to social justice, merging her work life as a paralegal-advocate for Charlotte Center for Legal Advocacy and personal life working for the needs of the Hispanic and Latinx community with the goal of fostering inclusion within the greater Charlotte-Mecklenburg community.

Marles helps low-income individuals get their criminal records expunged through the Advocacy Center’s Community Redevelopment Project, which focuses on improving economic mobility, stable housing and entrepreneurship in targeted communities in the Charlotte area. Criminal record expungements expand economic mobility by clearing misdemeanor offenses that often prevent individuals from pursuing employment and housing opportunities.

Through the Advocacy Center’s Know your Rights and Power of Attorney community workshops Marles has helped immigrants understand their constitutional rights and worked to ensure these rights are upheld.  She has become a trusted face in the immigrant community through her professional and personal work.    

Marles joined Charlotte Center for Legal Advocacy in 2016 as a health insurance navigator helping individuals and families, including immigrants and Spanish speaking residents, understand their health coverage options to enroll in plans that best fit their individual needs under the Affordable Care Act.

After finding limited health services for the Hispanic community in Cabarrus County, Marles established a nonprofit organization called El Puente Hispano (the Hispanic bridge) with other community leaders in 2017 to provide programs that provide support and improve physical and mental health for the Hispanic community in the Charlotte area.

Marles began her local volunteerism serving as a triage nurse and health promoter for Bethesda Health Center after moving to the area from Miami in 2009. She also spent two years volunteering as a Guardian Ad Litem, giving children impacted by abuse, neglect and abandonment a voice in Cabarrus County. 

Marles is a member of the Enlace Charlotte, formerly The Latin American Council, board of directors. She is also part of the Mecklenburg County Latino civic engagement and last year helped launch the campaign “Latino tu voto cuenta” (Latino your vote counts) encouraging people to understand the importance of civic engagement and participation in the democratic process. 

Judge Promoted by Trump Administration Threatened a 2-Year-Old With an Attack Dog

On March 30, 2016, in an immigration courtroom in Charlotte, North Carolina, a 2-year-old boy was doing what you might expect: He was making some noise. But Judge V. Stuart Couch—a former Marine known to have a temper—was growing frustrated. He pointed his finger at the Guatemalan child and demanded that he be quiet.

When the boy failed to obey his command, the threats began. “I have a very big dog in my office, and if you don’t be quiet, he will come out and bite you!” Couch yelled.

Couch continued, as a Spanish-language interpreter translated for the child, “Want me to go get the dog? If you don’t stop talking, I will bring the dog out. Do you want him to bite you?” Couch continued to yell at the boy throughout the hearing when he moved or made noise. 

Kathryn Coiner-Collier, the only independent observer in the courtroom that day, says her mouth was on the floor as Couch made his threats. She sometimes saw Department of Homeland Security dogs sweeping the court building, and it was completely plausible to her that dogs could have been there that day. Coiner-Collier, then a coordinator for a project run by the Charlotte Center for Legal Advocacy to assist immigrants who couldn’t afford attorneys, says she “ferociously scribbled everything” Couch was saying. Soon after, she wrote an affidavit containing the dialogue above, and Kenneth Schorr, the Charlotte Center for Legal Advocacy’s executive director, submitted a complaint to the Justice Department in April 2016.

Read more at Mother Jones

Additional coverage

New York Times, Kristof: Our Children Deserve Better

Univision: Un juez promovido por Trump amenazó a un niño de 2 años con soltar a un perro si no guardaba silencio en la corte

WCNC: Charlotte immigration judge threatened to sic “big dog” on child during hearing

Lake Arbor Residents Urged to Seek Legal Advice Ahead of August 31 Deadline

Concerns of residents signing away tenant rights

Charlotte, NC – Local legal advocacy groups are urging residents at Lake Arbor Apartments to seek legal advice ahead of a deadline for some to move out by the end of the month.

On July 30, residents received a notice from Lake Arbor Apartments stating that they must move out by December 31. Others were told they had leases that had expired or were no longer valid and they needed to move out by the end of August.

The notice also informed residents of an “Incentive Package” available for those who choose to leave voluntarily.

Charlotte Center for Legal Advocacy and the North Carolina Justice Center are concerned that residents could be giving up their legal rights as tenants without fully understanding all their options as the end of August nears.

The groups are especially concerned that residents who were told they did not have valid leases and must leave by August 31st, do not understand that they do not have to leave their apartments unless ordered to leave by the Sheriff, pursuant to a court order.

“A landlord’s notice to move out is not the same as a court-ordered eviction,” said Jack Holtzman, an attorney with the N.C. Justice Center. “Tenants with month-to-month leases have due process rights like all other tenants. That’s why it’s critical for residents to speak to a lawyer before making any decisions.”

The organizations urge all Lake Arbor residents to speak to an attorney even if they think they don’t have any legal remedies available to them.

The organizations are offering free legal advice to Lake Arbor residents who have been told to move out, asked to sign a release or offered an Incentive Package from the rental company.

Residents should call 919-856-2169 to discuss their options with an attorney.

The North Carolina Justice Center is one of the state’s preeminent voices for economic and social justice. As a leading progressive research and advocacy organization, its mission is to eliminate poverty in North Carolina by ensuring that every household in the state has access to the resources, services, and fair treatment it needs to achieve economic security. For more information, visit www.ncjustice.org

Charlotte Center for Legal Advocacy (formerly Legal Services of Southern Piedmont) provides expert legal advice and representation to those who cannot afford it, but desperately need it, something the organization has been doing since its inception in 1967. The Advocacy Center serves more than 3,500 families each year who are facing a crisis of safety, shelter, health or income, while providing committed advocacy work toward policy changes at the local and national level to impact a greater number of people. Charlotte Center for Legal Advocacy is a champion for those in need, ensuring their safety, security and stability. For more information, visit charlottelegaladvocacy.org.

Ignoring Flores to Detain Families is Inhumane

Because Charlotte Center for Legal Advocacy defends migrant adults, families and children in Charlotte’s Immigration Court, we are extremely concerned by the Trump administration’s recent decision to indefinitely detain migrant children who cross the U.S.-Mexico border.

This week, the Trump administration announced a new immigration rule that attempts to override policy set by the Flores settlement to allow the administration to keep families in detention facilities while they fight their asylum cases.

The Flores settlement has prohibited the U.S. government from detaining migrant children for more than 20 days. The Flores settlement was reached because of the inhumane conditions in detention centers and because of the special psychological and emotional vulnerability of children.

The administration’s unilateral repeal of the Flores settlement is a shameful attempt to prevent Central Americans from availing themselves of our country’s asylum laws and to punish them and their children for seeking asylum by keeping them incarcerated. It is unacceptable.

The new regulations will further erode families’ ability to seek legal assistance, which is critical for anyone seeking relief in our immigration courts. Most detention facilities are in remote areas where few, if any attorneys practice, making it difficult for detained people to get representation. Only those who can afford an attorney can get the legal assistance they need.

All migrants, even children as young as 3 and 4, are expected to fight their own immigration cases against the government if they cannot find or afford an attorney.

The administration has claimed it is pursuing this policy in order to avoid “having to separate families [and] allow families to be released as they wait for their cases to be heard.”

There is no law that requires the Department of Homeland Security to hold asylum seekers pending trial. Contrary to what this administration would have us believe, the Department of Justice’s own statistics show that most respondents show up to their hearings in immigration court.

Those rates were even higher for respondents who participated in the Family Case Management Program, a program that was started in 2016. Instead of incarcerating immigrants at the cost of hundreds of dollars a day, immigrants were released and assigned a case worker who made sure they understood how immigration court works and what their rights and obligations were. The program cost about $36 per person per day and had a compliance rate of 99 percent. The Trump administration discontinued the  Family Case Management program in favor of incarceration.

Charlotte Center for Legal Advocacy believes all people, especially vulnerable children, deserve legal assistance when their safety is on the line. That’s why we advocate for migrant adults, families and children, most of whom, have been subjected to some form of trauma over the course of their young lives.

Their cases will take years to process through an overburdened immigration court system. Now this administration wants to detain them indefinitely as they wait for their day in court.

This is unacceptable. As a community and nation of immigrants, we can do better.

Action Alert: “Show Me Your Papers” Bill Threatens Community Safety

Yesterday, the N.C. House approved a bill that strips local authority from sheriffs’ departments by requiring them to cooperate with Immigration and Customs Enforcement (ICE) and assist in enforcing federal immigration law.

The legislation now goes before Gov. Roy Cooper for consideration after the N.C. Senate passed the bill in June.

House Bill 370, the “Show Me Your Papers” law, would require all N.C. sheriffs and jails to comply with immigration detainer requests made by the U.S. Department of Homeland Security, even though these detainer requests are not considered valid warrants, which means sheriffs should have full discretion within their local authority to not recognize them.

The bill also requires police to determine the immigration status of any person arrested for a criminal charge and to notify ICE if the person is not a legal resident or citizen and forces jails to wait for federal approval before releasing an individual being held, even if the person is eligible for release under North Carolina law.

It would allow anyone to sue their local government if they believe it is not cooperating with immigration enforcement activities or breaking state law related to immigration.

HB370 is a direct response to local sheriffs across North Carolina, including Mecklenburg County Sheriff Gary McFadden, choosing to end federal 287(g) programs in their counties, which ended the requirement of local law enforcement to cooperate with and assist ICE in detaining undocumented residents.

Mecklenburg County participated in 287(g) for 12 years. During that time, the program diverted our local public safety resources away from protecting our community toward carrying out federal immigration enforcement policies.

Instead of addressing and preventing violent crime, the program incentivized local law enforcement officials to actively seek out undocumented residents with no criminal history through procedures that border on racial profiling and erode trust in the immigrant community.

Mecklenburg County Sherriff Gary McFadden was elected to office on a wave of local support for ending the 287(g) program.

Now the N.C. General Assembly is trying to override the will of Mecklenburg County voters to assert its own control over how our local law enforcement officials do their jobs.

Is this the best use of tax-payer dollars to keep our community safe? We don’t think so.

Charlotte Center for Legal Advocacy believes this bill is a detriment to community safety, local autonomy and family unity for all Mecklenburg County residents.

We urge Governor Roy Cooper to veto this legislation.

287(g) facilitated thousands of deportations by arresting individuals for minor traffic infractions or misdemeanors. This practice has torn families apart, made immigrants vulnerable targets for exploitation and eroded the trust of law enforcement in the immigrant community.

None of these ramifications made our community safer and neither does a systematic dragnet that targets communities of color. Instead, it forces people to withdraw from their communities, from working, attending school, seeking medical care and reporting crime out of fear.

Charlotte Center for Legal Advocacy continues to stand with our immigrant neighbors, advocating for inclusion and fairness under the law to ensure their safety, security and stability in our community.

What you can do

Contact Gov. Roy Cooper’s office by phone
(919) 814-2000 or email or sign this petition to express your concern for HB370 and call on him to veto the legislation.

Our community deserves safety, local autonomy and protected family unity.

Sign up to have our Action Alerts delivered straight to your inbox!

Legal Groups Urge Lake Arbor Residents to Seek Legal Advice

Concerns of residents signing away tenant rights

Charlotte, NC – Local legal advocacy groups are urging residents at Lake Arbor Apartments to seek legal advice before signing any document from the apartment community.

On July 30, residents received a notice from Lake Arbor Apartments stating that they must move out by December 31, while some were told they had leases that had expired or were no longer valid. Those residents were told they have only 30 days to move out, until the end of August. The notice also informed residents of an “Incentive Package” available for those who choose to leave voluntarily.

Charlotte Center for Legal Advocacy and the North Carolina Justice Center are concerned that residents could be giving up their legal rights as tenants without fully understanding all their options. The organizations urge Lake Arbor residents to speak to an attorney before they decide whether to sign anything.

Lake Arbor residents who have been told to move out, asked to sign a release or offered an Incentive Package from the rental company should call 919-856-2169 to receive free legal advice and discuss their options with an attorney from these organizations.

Lake Arbor Community Town Hall

Saturday, August 10, 2019 | 11 a.m. to 1:30 p.m.
Tuckaseegee Rec Center
4820 Tuckaseegee Road
Charlotte, NC 28208
For more information or RSVP: 980-292-1780 | laketenassoc@gmail.com

The North Carolina Justice Center is one of the state’s preeminent voices for economic and social justice. As a leading progressive research and advocacy organization, its mission is to eliminate poverty in North Carolina by ensuring that every household in the state has access to the resources, services, and fair treatment it needs to achieve economic security.

Charlotte Center for Legal Advocacy (formerly Legal Services of Southern Piedmont) provides expert legal advice and representation to those who cannot afford it, but desperately need it, something the organization has been doing since its inception in 1967. The Advocacy Center serves more than 3,500 families each year who are facing a crisis of safety, shelter, health or income, while providing committed advocacy work toward policy changes at the local and national level to impact a greater number of people. Charlotte Center for Legal Advocacy is a champion for those in need, ensuring their safety, security and stability.

Beneficiarios de Medicaid tendrán que elegir un proveedor privado


Charlotte N.C. – La División de Beneficios de Salud del Estado dio a conocer la afiliación del Medicaid de Carolina del Norte y NC Health Choice, con planes de salud privado, cambio que en la región del Condado de Mecklenburg, Cabarrus y Union, tomará efecto en octubre del 2019.


“Ahora las personas que están inscritas en Medicaid deben elegir un plan de salud y recibir todos sus beneficios a partir de ese plan de seguro privado”, explicó Johanna Parra, Paralegal del Centro de Apoyo Legal de Charlotte, organización que cuenta con el Departamento de Asesoría para beneficiaros de Medicaid y Medicare que creen sus derechos han sido violados.

Leer más a holanews.com.

Thoughts on Tax Advocate Nina Olson

Senior attorney Soreé Finley recently reflected on her first interaction with National Taxpayer Advocate Nina Olson, who retires today after a long career of fighting for fair tax policies for all Americans. This blog post originally appeared in Procedurally Taxing.

I can’t remember the exact year of my first Low-Income Taxpayer Clinic (LITC) conference. I do however remember the elevator ride to the Hilton’s meeting rooms: There are several attendees on the elevator, all hoping to be seated by 8:30 a.m. I am a new attorney and I want to impress my LITC director with my timeliness, but I’m struggling with the early start time.

I walk into this big meeting room, and there’s a nervous and excited energy among the attendants. I’m nervous too, of course—it’s my first legal conference, and I’m in a room full of attorneys. As I look for my table, I keep hearing the word “N.I.N.A.”, and figure it’s one more IRS acronym I’ll have to learn.

I sit at my table as my watch displays “8:30.” Someone approaches the podium and the room goes silent. It’s Nina—not N.I.N.A.—Olson, the National Taxpayer Advocate. For the first time, but not the last, I am blown away by her profound and contagious commitment to taxpayer advocacy.

Years after my first introduction to Ms. Olson, I am still inspired by her courage and willingness to ensure taxpayers and tax practitioners have a positive and consistent experience when interfacing with the IRS. There are millions of taxpayers who may never know Nina Olson’s name, but her legacy and impact on taxpayer advocacy will continue long after she retires.