Services Available in North Carolina
Debt Collection Agencies
Third-party agencies that collect unpaid debts on behalf of creditors. They typi...
20-40% of collected amount
Contingency Fee Lawyers
Attorneys who take cases on a contingency basis - they only get paid if you win....
33-40% of settlement/judgment
Bail Bond Recovery
Licensed bail enforcement agents (bounty hunters) who locate and return fugitive...
10-20% of the bail bond amount
Asset Recovery Services
Specialists in locating and recovering lost, stolen, or abandoned assets includi...
15-35% of recovered assets
Medical Billing Recovery
Specialists who audit medical bills for errors and recover overcharges from hosp...
25-35% of recovered overcharges
Judgment Enforcement
Specialists who collect on court judgments that debtors refuse to pay. They use ...
30-50% of collected judgment
Skip Tracing Services
Investigators who locate people who have 'skipped' - fled without paying debts, ...
Flat fee $50-500 per locate, or percentage if bundled with collectionYour Rights in North Carolina
North Carolina Debt Collection Act - NCGS Chapter 75
- NC law extends to original creditors
- Wage garnishment prohibited except for government debts
- Strong homestead exemption (higher for elderly)
- Private right of action available
Statute of Limitations in North Carolina
After this period, collectors cannot sue you to collect the debt.
| Debt Type | Time Limit |
|---|---|
| Credit Card | 3 years |
| Medical Bills | 3 years |
| Auto Loan | 4 years |
| Written Contract | 3 years |
| Oral Contract | 3 years |
Wage Garnishment Rules in North Carolina
Wage garnishment PROHIBITED except for government debts and specific court orders
Featured Professionals in North Carolina
One of the largest debt purchasers and collectors in the United States, handling billions in consume...
View ProfileLeading debt purchasing and collection company specializing in acquiring and managing charged-off co...
View ProfileMajor debt purchaser and collector with operations across the US and internationally. Specializes in...
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