Legal Question in Consumer Law in North Carolina

First - you can always be taken to court - the question is whether you have valid defenses. If you are taken to court then you must raise any defenses or counterclaims that you might have. Wages cannot typically be garnished in NC except for certain items like taxes perhaps.

As far as payday loans, I think it might depend on the terms and the lender. Often they are illegal because they are unregulated/unlicensed and violate NC usury laws. You may want to consult with an attorney in your area.