NC H30

Authorizes wage garnishment as a method to enforce judgments in civil cases involving violations of unfair or deceptive practices (G.S. 75-1.1), but only after other collection remedies have been exhausted and the violation was knowingly and willfully committed.

Requires judgment creditors to send certified notice to debtors before pursuing garnishment and wait 10 days for payment or payment arrangements before filing a motion with the court.

Limits garnishment to the lesser of 15% of monthly disposable earnings or the amount exceeding 50 times the federal minimum hourly wage multiplied by the number of weeks in the pay period.

Prohibits garnishment if the judgment debtor is already making regular monthly payments equal to at least 10% of disposable earnings or can demonstrate economic hardship to themselves or dependents.

Establishes priority rules for multiple garnishment orders, requires a $5.00 processing fee per payment to the employer, and mandates judgment creditors notify the court within 60 days of full satisfaction or face a $100 penalty plus attorney fees.