In North Carolina, debt settlement services are called “debt adjustment” services. If a company or individual is not properly licensed, it is a misdemeanor to engage in debt adjustment in NC. As a result, companies like Freedom Debt Relief, National Debt Relief, and Lexington Law can’t physically operate in NC and must stay out of state—to do what they do through an office in NC would violate our laws. Please see this post for more details: https://www.facebook.com/photo.php?fbid=10215928283053744&set=a.1828936316960&type=3&theater