Legal Question in Credit and Debt Law in North Carolina

What is your question? If they are taking you to court it means that they think that you owe them money. I don't understand why you would owe "them" (who is "them"? if you paid cash, there is no lender. Do you mean the car dealer?)

What do they say you owe the money for? Is it part of the purchase price of the car? Document fees?

You need to post more facts, but since you have been sued, my advice would be to seek out a consumer law attorney to review your purchase agreement and the lawsuit. This is not a debt collection issue unless you admit that you owe the money and need help to resolve the debt.