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Category Archives: North Carolina Collection Law

The sheriff just served me with a “Summons and Complaint,” what do I do now?

The goal of the plaintiff / creditor that filed the lawsuit is to obtain a judgment against you, and in turn seek collection of that judgment through the post-judgment collection process.   A judgment is basically a finding by a court of law that you are legally obligated to repay the debt which will accrue interest at the legal rate (currently…

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The sheriff just served me with a “Notice of Right to Have Exemptions Designated,” what do I do now?

North Carolina law sets forth certain “exemptions” that you, the judgment debtor, are entitled to.  Exemptions allow you to keep or exempt certain property notwithstanding the judgment.  Most of these exemptions are set forth in N.C.G.S. 1C-1601.  The judgment creditor is required to serve you notice of your rights to designate your exemptions, by registered or certified mail or through…

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