North Carolina Debt Collection Laws and Statutes

AccountsReceivable.com handles debt collections throughout the entire state of North Carolina.

Below you will find important information on North Carolina state debt recovery laws including: North Carolina Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: NORTH CAROLINA

Interest Rate

  • Legal: 8%
  • Judgment: 8%

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 3
  • Written Contract: 3
  • Sale of Goods: 4
  • Domestic Judgment: 10
  • Foreign Judgment: 10

BAD CHECK LAWS (CIVIL PENALTY)

30 day written demand lesser of $500 or 3 x check amount, but not less than $100.

GENERAL GARNISHMENT EXEMPTIONS

100% of last 60 days’ earnings for family support. Garnishment only by political subdivisions for taxes, ambulance fees, etc.

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