NC S650

Creates new Chapter 1H of the General Statutes establishing civil remedies for domestic violence survivors, domestic abuse victims, and current/former foster children whose debt was incurred through duress, intimidation, threat of force, force, or undue influence

Requires creditors and debt collectors to cease collection activities within 10 business days of receiving adequate documentation (police report, court order, FTC report, or sworn certification from qualified professional) and complete a review within 30 days

Allows debtors to bring civil actions or file cross-complaints to establish debt as coerced, with available relief including declaratory judgment, injunction against collection, and dismissal of collection lawsuits

Holds the person who coerced the debt civilly liable to the creditor for the debt amount plus attorney's fees, with a 5-year statute of limitations from court determination

Applies to unsecured debts incurred on or after July 1, 2025, with provisions for debtors to raise coerced debt as a defense in pending collection actions for older debts