North Carolina General Statutes Chapter 58. Insurance § 58-70-90. Definitions

(1) “Collection agency” means a collection agency as defined in G.S. 58-70-15 which engages, directly or indirectly, in debt collection from a consumer.

(2) “Consumer” means an individual, aggregation of individuals, corporation, company, association, or partnership that has incurred a debt or alleged debt.

(3) “Debt” means any obligation owed or due or alleged to be owed or due from a consumer.