North Carolina has enacted a state debt collection law which closely tracks and parallels the federal FDCPA. The North Carolina law, like the FDCPA, allows consumers to sue and to obtain actual or statutory damages. Federal law, however, allows victims to recover up to $1,000 in statutory fees, while state law provides for statutory damages of between $100 and $2,000.
If you believe that a collector has behaved inappropriately while attempting to collect a debt from you in North Carolina, our attorneys can help you to determine whether the FDCPA or North Carolina law provides you with a legal remedy.
To learn more about the FDPCA, go to Federal Debt Collection Practices Act.
North Carolina General Statute, Chapter 75, Article 2, Section 58-70-90 et seq. and 75-50, et seq.