Index
North Carolina Debt Collection Act
Summary
Prohibits specific 'unfair' practices, including threatening to report a consumer to a credit bureau without doing so.
Rights & Rules
- 01.Collectors cannot use 'unconscionable' means to collect, such as collecting more than is legally due.
- 02.You have the right to keep your debt private; collectors cannot share your debt status with neighbors.
Penalties
- 01.Statutory penalties of $500 to $4,000 per violation.
- 02.Voiding of the debt in extreme cases of misconduct.
Verified Citations
N.C. Gen. Stat. § 58-70-95
Source"No collection agency shall collect or attempt to collect any debt by means of any unfair threat, coercion, or attempt to coerce."