Debt settlement is called “debt adjustment” in North Carolina. The NC General Statutes make debt adjustment illegal (it is a misdemeanor) unless the person/company engaging in the service is licensed or otherwise meets an exception. Companies like Freedom Debt Relief, National Debt Relief, and Lexington Law can not operate in NC (physically) because they don’t comply with the law. They must remain out of state. See this attachment for confirmation of this. https://www.facebook.com/photo.php?fbid=10215928283053744&set=a.1828936316960&type=3&theater