NC General Statutes

N.C. Gen. Stat. § 75-50 (2026)

Definitions

✓ current as of July 2026

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The following words and terms as used in this Article shall be construed as follows:

(1) "Consumer" means any natural person who has incurred a debt or alleged debt for personal, family, household or agricultural purposes.

(2) "Debt" means any obligation owed or due or alleged to be owed or due from a consumer.

(3) "Debt collector" means any person engaging, directly or indirectly, in debt collection from a consumer except those persons subject to the provisions of Article 70, Chapter 58 of the General Statutes.

(4) "Location information" means information about a consumer's place of abode, any telephone numbers used by the consumer, and information about the consumer's place of employment. (1977, c. 747, s. 4; 1989, c. 770, s. 15; 2015-177, s. 1.)

Notes of Decisions

Cited in 97 cases (47 in the last 5 years), 1980–2026 · leading case: Williams v. HomEq Servicing Corp., 646 S.E.2d 381 (N.C. Ct. App. 2007).

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Williams v. HomEq Servicing Corp., 646 S.E.2d 381 (N.C. Ct. App. 2007). · cites it 14× “Williams contends that in the last seven years, HomEq has violated § 75-51(1),(3),(6),(8); § 75-52(3),(4); § 75-54(4),(6); and § 75-55(2). However, Mr.”

Green Tree Servicing LLC v. Locklear, 763 S.E.2d 523 (N.C. Ct. App. 2014). · cites it 22× “2d 231, 233 (2000) (citing N.C. Gen. Stat. § 75-50 (1)-(3)). According to the relevant statutory provisions, a “consumer” is “any natural person who has incurred a debt or alleged debt for personal, family, household or agricultural purposes,” N.”

Reid v. Ayers, 531 S.E.2d 231 (N.C. Ct. App. 2000). · cites it 10× “” N.C. Gen. Stat. § 75-50 (l)-(3). Plaintiff’s complaint satisfies all three here.”

DirecTV, Inc. v. Cephas, 294 F. Supp. 2d 760 (M.D.N.C. 2003). · cites it 7× “Ce-phas’s counterclaims are based on the North Carolina Debt Collection Act (“NCDCA”), N.C. Gen.Stat. §§ 75-50 to - 56, and the North Carolina Unfair and Deceptive Trade Practices Act (“UDT-PA”), N.”

Rutledge v. Wells Fargo Bank, N.A. (In re Rutledge), 510 B.R. 491 (Bankr. M.D.N.C. 2014). · cites it 8× “See N.C. Gen.Stat. §§ 75-50 to 75-56; see also Glenn v.”

Davis Lake Cmty. Ass'n v. Feldmann, 530 S.E.2d 865 (N.C. Ct. App. 2000). · cites it 6× “” N.C. Gen. Stat. § 75-50 (1) (1999). Defendants here, as homeowners within the Davis Lake Community Association, are indeed consumers because they have incurred an obligation (i.”

Creekside Apts. v. Poteat, 446 S.E.2d 826 (N.C. Ct. App. 1994). · cites it 8× “The court concluded that notices delivered in January 1992 violated the provisions of N.C. Gen. Stat. § 75-50 et seq. The court held there was no evidence that defendants were damaged thereby and found insufficient evidence to base any award for special or consequential damages,…”

Tate v. NationsBanc Mortg. Corp. (In Re Tate), 253 B.R. 653 (Bankr. W.D.N.C. 2000). · cites it 4× “The fifth claim alleges that filing each proof constituted five separate violations of the North Carolina Fair Debt Collection Practices Act, N.C.Gen.Stat. §§ 75-50 to 75-56. Plaintiffs seek a statutory penalty of $10,000 for each class member for a total penalty of up to…”

Campbell v. Wells Fargo Bank, N.A., 73 F. Supp. 3d 644 (E.D.N.C. 2014). · cites it 4× “2d 231, 233 (2000); see N.C. Gen.Stat. § 75-50 (defining “consumer,” “debt,” and “debt collector”).”

Simmons v. Kross Lieberman & Stone, Inc., 746 S.E.2d 311 (N.C. Ct. App. 2013). · cites it 6× “" N.C. Gen. Stat. § 75-50 (3) (2011) (emphasis added).”

Friday v. United Dominion Realty Trust, Inc., 575 S.E.2d 532 (N.C. Ct. App. 2003). · cites it 4× “1, states: (a) Unfair methods of competition in or affecting commerce, and unfair or deceptive acts or practices in or affecting commerce, are declared unlawful. N.C. Gen. Stat.”

Baker v. Rushing, 409 S.E.2d 108 (N.C. Ct. App. 1991). · cites it 3× “B Mosley argues that his status as an agent precludes his personal liability for the alleged torts of trespass, trespass to chattels, and conversion, and for the claims based on his alleged tortious conduct, specifically the claims for unfair or deceptive trade practices, N.”

Show all 97 citing cases →

— N.C. Gen. Stat. § 75-50(1) — 6 cases

DirecTV, Inc. v. Cephas, 294 F. Supp. 2d 760 (M.D.N.C. 2003). “Ce-phas’s counterclaims are based on the North Carolina Debt Collection Act (“NCDCA”), N.C. Gen.Stat. §§ 75-50 to - 56, and the North Carolina Unfair and Deceptive Trade Practices Act (“UDT-PA”), N.”

Holloway v. Wachovia Bank & Trust Co., N.A., 428 S.E.2d 453 (N.C. Ct. App. 1993).

Rutledge v. Wells Fargo Bank, N.A. (In re Rutledge), 510 B.R. 491 (Bankr. M.D.N.C. 2014). “See N.C. Gen.Stat. §§ 75-50 to 75-56; see also Glenn v.”

Fisher v. E. Air Lines, Inc., 517 F. Supp. 672 (M.D.N.C. 1981).

Friscia v. Bank of Am., N.A., 775 S.E.2d 36 (N.C. Ct. App. 2015).

— N.C. Gen. Stat. § 75-50(2) — 6 cases

Rutledge v. Wells Fargo Bank, N.A. (In re Rutledge), 510 B.R. 491 (Bankr. M.D.N.C. 2014). “See N.C. Gen.Stat. §§ 75-50 to 75-56; see also Glenn v.”

Fisher v. E. Air Lines, Inc., 517 F. Supp. 672 (M.D.N.C. 1981).

Boston v. I.C. Sys., Inc. (W.D.N.C. 2021).

Onnipauper LLC v. Dunston (N.C. Ct. App. 2023).

— N.C. Gen. Stat. § 75-50(3) — 5 cases

Rutledge v. Wells Fargo Bank, N.A. (In re Rutledge), 510 B.R. 491 (Bankr. M.D.N.C. 2014). “See N.C. Gen.Stat. §§ 75-50 to 75-56; see also Glenn v.”

Cassaundra Spinks v. Taylor, 278 S.E.2d 501 (N.C. 1981).

Page v. Corvias Grp., LLC (E.D.N.C. 2023).

Brown v. Lakeview Loan Servicing, LLC (W.D.N.C. 2020).

Clayton Bradley Williams, III v. PennyMac Loan Servs., LLC (M.D.N.C. 2025).

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