🏀 North Carolina Wage Garnishment Laws & Collection Guide ()
📍 Collecting a judgment in North Carolina? Wage garnishment in the Tar Heel State is extremely limited. North Carolina only allows wage garnishment for specific debts – NOT for regular consumer judgments. This guide covers what you need to know as part of your North Carolina judgment collection strategy.
⚖️ What Is Wage Garnishment in North Carolina?
North Carolina severely restricts wage garnishment for consumer debts. Like Texas, Pennsylvania, and South Carolina, North Carolina does NOT allow wage garnishment for most consumer judgments.
For creditors working on how to collect a judgment, alternative collection methods are essential. Our skip tracing services help locate debtors and assets.
⚠️ Critical Warning: North Carolina does NOT allow wage garnishment for consumer debts! You must use alternative methods like bank levies and property liens.
💡 Key Point: NC judgments last 10 years and can be renewed. Focus on bank accounts, property liens, and asset seizure instead of wage garnishment.
🏛️ What CAN Be Garnished
- Child Support – Up to 50-65% of disposable earnings
- Tax Levies – NC DOR and IRS have garnishment powers
- Student Loans – Federal administrative wage garnishment
- Consumer Debt – NOT ALLOWED for regular judgments
💰 Alternative Collection Methods
Since wage garnishment isn’t available for consumer debts, focus on these alternatives:
🏦 Bank Levies: Attach debtor’s bank accounts
🏠 Property Liens: Lien on real estate
📋 Alternative Collection Options
| Method | Description | Effectiveness |
|---|---|---|
| 🏦 Bank Levy | Attach bank account funds | High if account found |
| 🏠 Judgment Lien | Lien against real property | Collects upon sale |
| 🚗 Asset Seizure | Seize non-exempt personal property | Varies by asset |
| 📋 Debtor Exam | Court-ordered asset disclosure | Reveals assets |
🔍 Need to Find a Debtor’s Assets in North Carolina?
Our asset search services locate bank accounts and property for levies.
Order Asset Search →📋 Steps to Collect in North Carolina
- Obtain a Money Judgment
Get a NC judgment or domesticate an out-of-state judgment.
- Locate Debtor and Assets
Our North Carolina skip tracing finds debtors and assets.
- File Judgment Lien
Record judgment lien against real property with Register of Deeds.
- Request Bank Levy
File writ of execution to levy bank accounts.
- Conduct Debtor Exam
Supplemental proceedings to discover assets.
- Pursue Non-Wage Assets
Seize eligible property and bank funds.
- Monitor for Assets
Continue monitoring for new assets over the 10-year judgment life.
🔍 Skip Tracing in North Carolina
🏙️ North Carolina Coverage
- Charlotte – State’s largest city
- Raleigh – State capital, Research Triangle
- Greensboro – Piedmont Triad
- Durham – Research Triangle
- Wilmington – Coastal NC
🎯 North Carolina Debtor Hiding Assets?
20+ years helping creditors locate judgment debtors and assets throughout North Carolina.
Start Your Search →🛡️ Debtor Protections
- No consumer wage garnishment – One of few states with this protection
- $35,000 homestead exemption
- Exempt income – Social Security, SSI, veterans benefits
📍 Our North Carolina Services
🔍 Skip Tracing
💼 Asset Research
📞 Ready to Collect Your North Carolina Judgment?
Get Started Today →❓ FAQs
No – North Carolina does NOT allow wage garnishment for consumer debts. Use bank levies, property liens, and asset seizure instead.
10 years, renewable before expiration.
