Sell Your North Carolina Civil Judgment for Cash
Won a court judgment in North Carolina but can't collect? Great Lakes Strategic Capital purchases non-consumer civil judgments statewide — giving you immediate cash with no upfront fees and no collection risk. Free evaluation within 48 hours.
North Carolina Civil Judgment Law — Key Facts
Enforcement Period
10 years
✓ Renewable before expiration
Post-Judgment Interest
8% per annum
Accrues on unpaid balance from judgment date
Wage Garnishment
NOT Available
Bank levies and liens are the primary tools
Homestead Exemption
$35,000 ($60,000 age 65+)
Statute: N.C. Gen. Stat. § 1-47
Why Sell Your North Carolina Judgment Instead of Collecting?
In North Carolina, you have up to 10 years to enforce a civil judgment — but enforcement requires time, legal resources, and often multiple court proceedings across different tools: bank levies and real property liens (wage garnishment is not available in North Carolina for most civil judgments).
Post-judgment interest accrues at 8% per annum, which adds value over time — but only if the debtor actually has assets you can reach. Many debtors actively avoid collection by hiding assets, changing employment, or depleting bank accounts.
Selling your North Carolina judgment to Great Lakes Strategic Capital converts that uncertain future recovery into an immediate, guaranteed cash payment. We handle all enforcement risk, legal costs, and debtor contact after the assignment is complete.
Immediate Lump-Sum Payment
Get paid now — no waiting years for collection to succeed
Zero Upfront Fees
Free evaluation, free offer. No cost to you at any point.
We Absorb All Risk
Once assigned, enforcement risk is entirely ours. Your payment is guaranteed.
No Wage Garnishment in North Carolina
Since North Carolina restricts wage garnishment for civil debts, we use bank levies and property liens — expertise you may not have in-house.
North Carolina Judgments We Buy
- North Carolina business-to-business contract disputes
- Commercial landlord / unpaid rent judgments
- Contractor and professional fee judgments
- Fraud and misrepresentation awards
- Partnership and shareholder disputes
- Property damage (commercial)
- Minimum $3,000 judgment amount
- All court levels in North Carolina
We Do NOT Buy
- ✕Consumer credit card debt
- ✕Medical bills or healthcare debt
- ✕Student loan obligations
- ✕Personal loans to individuals
- ✕Child support or alimony
- ✕Any debt covered by FDCPA/FCRA
- ✕Judgments under $3,000
- ✕Already satisfied or discharged judgments
How to Sell Your North Carolina Judgment — 4 Simple Steps
Submit Online
5 minutes — share basic judgment details through our secure form
Free Review
We evaluate your North Carolina judgment, debtor profile, and collectability at no charge
Cash Offer
Receive your personalized cash offer within 48 hours
Get Paid
Sign the assignment, receive payment by wire or check. Done.
North Carolina Judgment Recovery — FAQ
How long is a civil judgment enforceable in North Carolina?
In North Carolina, civil judgments are generally enforceable for 10 years. Judgments can typically be renewed before expiration to preserve enforceability. Cite: N.C. Gen. Stat. § 1-47.
What post-judgment interest accrues on my North Carolina judgment?
North Carolina judgments accrue post-judgment interest at 8% per annum. This interest is added to the unpaid principal balance from the date of judgment entry, increasing the total owed if the debtor does not pay promptly.
Is wage garnishment available in North Carolina?
No. North Carolina does not permit wage garnishment for most civil money judgments. Creditors and judgment buyers must rely on bank account levies, real property liens, and execution on non-exempt personal property.
What is the homestead exemption in North Carolina?
The homestead exemption in North Carolina is $35,000 ($60,000 age 65+). This amount is protected from judgment liens and execution on a debtor's primary residence. Judgments may still attach to equity above this threshold.
Can I sell my North Carolina civil judgment?
Yes. Judgment assignment is legal in North Carolina and all 50 states. Great Lakes Strategic Capital purchases qualifying non-consumer civil judgments entered in North Carolina courts. Contact us at (517) 698-8273 or submit your judgment online for a free evaluation.
Legal Disclaimer: The information on this page is for general informational purposes only and does not constitute legal advice. Judgment enforcement laws change frequently. Always consult a licensed attorney in North Carolina before taking enforcement action. Great Lakes Strategic Capital is not a law firm and does not provide legal advice.