Legal Question in Consumer Law in North Carolina

It is not clear whether this person (debtor) actually filed an answer. There is not really a way to agree to pay a debt by a given date; the defendant either answers the complaint (and admits or denies the debt), or does not answer (in which case he is in "default"). In any event, the creditor must first obtain a judgment (the difficulty of which depends in part on whether an answer was filed), and then serve the debtor with a notice of right to claim exemptions, and then must use the sheriff to try to collect the judgment, which raises a lot of issues, including the debtor's collectible assets and what he can protect from collection. If the debtor has any significant assets, he probably wants to consult an attorney and provide him or her with more facts to get further guidance.

I don't understand the whole fact pattern but if you have admitted the debt, you will probably get a judgment entered against you. The next step (after the creditor gets the judgment) would be for the creditor to serve you with a notice of right to designate exemptions - please make sure you file this within 20 days of receipt at the courthouse and send a copy to the creditor or you will lose your exemptions. Seek an attorney's help for more guidance.