Your North Carolina rights against National Credit Systems: 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 National Credit Systems Violations
Misrepresenting security deposit deductions
Failing to provide validation within 30 days
Adding collection fees not authorized by original agreement
North Carolina Dispute Tips vs National Credit Systems
NCS primarily collects apartment/rental debts — challenge security deposit math
Request the original lease and move-out inspection report
Many landlord charges for 'normal wear and tear' are invalid
North Carolina Protections
NO wage garnishment for most consumer debts (one of only 4 states)