Your North Carolina rights against Encore Capital Group: SOL is 3 years for credit card debt. Garnishment capped at No wage garnishment for most debts.
3 years
North Carolina credit card SOL
NC Debt Collection Act
State collection law
Common Encore Capital Group Violations
Pursuing collection on disputed debts without pausing
Threatening legal action they don't intend to take
Failing to mark accounts as disputed on credit reports
North Carolina Dispute Tips vs Encore Capital Group
Encore owns Midland Credit — same tactics, same defenses apply
Send all disputes via certified mail with return receipt
File complaints with both CFPB and your state AG simultaneously
North Carolina Protections
NO wage garnishment for most consumer debts (one of only 4 states)