Coerced Debt Relief Act.

This North Carolina bill creates a civil remedy for victims of domestic violence, their children, and former foster youth who incurred debt through coercion (e.g., threats, fraud, or intimidation). It allows these individuals to submit documentation like police reports, court orders, or certified statements from domestic violence professionals to stop debt collection and repair credit reports. Debt collectors must halt collection efforts upon receiving valid documentation, but the law does not cover secured debts or require refunds for money already paid. The bill explicitly states it does not replace existing legal rights or defenses.