N.C. Gen. Stat. § 58-70-90 : INSURANCE — COLLECTION AGENCIES — PROHIBITED PRACTICES BY COLLECTON AGENCIES ENGAGED IN THE COLLECTION OF DEBTS FROM CONSUMERS —70-90 - Definitions TEXT PDF As used in this Part, the following terms have the meanings specified: (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. N.C. Gen. Stat. § 58-70-90 1961, c. 782; 1971, c. 814, ss.1 - 3; 1979, c. 835.