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.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).