Debt Collection Court Outcomes

Summary

If you are sued in North Carolina for unpaid debt, you may face court-ordered payments, wage garnishment, or property liens. Generally, you do not have to return the merchandise unless specified by the court. Wage garnishment is typically not allowed for consumer debt, but creditors may seek other means like bank account levies. Consult a local attorney for personalized advice.

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I am getting sued in nc because i purchased a washer and dryer which costs * and i havent made payments and i have court
Hello ****, since you live in North Carolina, there are some important points about debt collection you should know:
- Debt collectors must provide a written notice of the amount you owe
- They cannot harass or abuse you
- You have the right to dispute the debt
Can you confirm if you were provided a written notice about this debt?
Yes i was
Given that you've received a written notice and are facing court proceedings, it's advisable to consult a local attorney to discuss your options. The North Carolina Legal Aid may provide free or low-cost advice.
If i lose in court what happens after
If you lose in court, you might face these potential outcomes:
- You may be ordered to pay the debt, possibly with added interest and court fees.
- Your wages could be garnished.
- The court could potentially issue a lien on your property.
Always consult with a local attorney for accurate information.
Do i have to give back the merchandise
In North Carolina, generally, you do not have to return the merchandise. The lender may try to repossess it, but cannot breach the peace to do so. However, the specifics could vary based on your agreement. Consult your attorney.
If i lose in small claims court do i have to return thr mechandise
In North Carolina, if you lose in small claims court, the judge may order you to pay the debt amount but it doesn't necessarily mean you have to return the merchandise. However, the outcome can vary based on your specific agreement and the judge's decision.
If i do not pay the debt amount can they garnish my wages
In North Carolina, wage garnishment for debt is generally not allowed unless it's for taxes, student loans, or child support. However, the creditor may seek other means to collect the debt, such as a lien on your property. Consult your attorney for specifics.
What if i do not have any property to put a lien on?
If you don't have any property for a lien in North Carolina, the judgment creditor may consider other options such as:
- Seeking a court order to take money directly from your bank account.
- Examine your financial situation for other available assets.
Consult a local attorney for accurate information.