how do you get a repo licence in North Carolina
No. Not in North Carolina, not in any other state.
YES, a lender can get a judgment for the balance owing on a loan after repo.
he cannot break & enter to get the car.
Yes. A repossession agent can secure the vehicle anywhere he finds it with some limitations, provided he has a valid order for repossession.
It can happen as soon as they find the car. Sometimes within hours.
== == I know they can't garnish your wages but not sure about liens.
Search your state, then your city at the link below. These are insured agencies. One could post an ad or look in the phone book or ask a loan officer at a bank for references.
any 24 - 7 as long as they find the car they can repo it.
A long time if you hide it well!
Search on "repo laws + [your state]"
The lien is still valid, so yes, they can repo it.