Your North Carolina rights against NCO Financial 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 NCO Financial Systems Violations
Pursuing time-barred debts without disclosure
Excessive calling frequency constituting harassment
Failing to validate disputed debts
North Carolina Dispute Tips vs NCO Financial Systems
NCO was acquired by JPMorgan — reference this in disputes for accountability
Keep a call log to document harassment patterns
Send debt validation request within 30 days of first contact
North Carolina Protections
NO wage garnishment for most consumer debts (one of only 4 states)