Your North Carolina rights against Penn Credit Corporation: 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 Penn Credit Corporation Violations
Adding excessive fees to government debts
Failing to provide validation for toll violations
Misrepresenting authority of government agency
North Carolina Dispute Tips vs Penn Credit Corporation
Penn Credit collects tolls and municipal fines — request original violation proof
Many toll violations can be disputed directly with the toll authority
Government debt collectors must still comply with FDCPA
North Carolina Protections
NO wage garnishment for most consumer debts (one of only 4 states)