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The bank can sue you, get a judgment, and then try to garnish your wages or have your assets sold to satisfy the judgment. If you have no assets and you're not employed, then the bank can't do anything.
When your question first was posted, the system did not display your location. You are correct, that an NC court cannot order a wage garnishment, except for child support or taxes, or if the judgment was rendered by a different State or Federal court.
However, the creditor can execute against your wages once they reach your checking account -- assuming you keep them in your checking account. But, that probably won't be a problem for you.