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In Union County, money disputes up to $10,000 go to the small-claims court: simplified procedures built for people without a lawyer.
Below is what you need for a small claims case in Union County: the limit, filing fees, which courthouse to use, how to serve the other side, your deadlines, and how to file. When you're ready, Squabble prepares everything and files it for you.
These cases are heard at the single courthouse below. Union County confirms the venue from the defendant's address or where the events happened.
Tap a courthouse to see its details in the list below.
Locations change. The court publishes its current small-claims address on its own page; Squabble confirms the courthouse for your case when you file.
The nearest counties to Union County are Mecklenburg County and Cabarrus County. About 263,386 people live in Union County.
Small claims can be filed electronically here, which means the case can begin without going to the counter.
Small claims are heard at the courthouse, in person.
Two sets of evidence are needed, one for the judge and one for the other side, and some courts also take it electronically in advance.
Residents of Union County, North Carolina, which has a population of 263,386, can bring small claims cases through the North Carolina Small Claims Court, which handles claims up to $10,000. Cases are filed at the Union County Judicial Center in Monroe, located at 400 North Main St (P.O. Box 5038), 28112. The courthouse is open Monday through Friday from 8:30 AM to 5:00 PM and is closed Saturday and Sunday. The clerk's office can be reached at (704) 698-3100, and additional information is posted at https://www.nccourts.gov/locations/union-county/union-county-judicial-center. Electronic filing is available. The county covers communities including Indian Trail, Marshville, Matthews, Mineral Springs, Monroe, Waxhaw, and Wingate, along with ZIP codes such as 28079, 28104, 28110, and 28173. Union County lies near Mecklenburg County, Cabarrus County, and Stanly County, each of which has its own court locations. The Union County Judicial Center serves as the site where small claims matters arising in this county are filed and heard.
These 7 places sit inside Union County:
Indian Trail, Marshville, Matthews, Mineral Springs, Monroe, Waxhaw, Wingate.
ZIP codes:
Union County is the 8th most populous of North Carolina's 100 counties, with about 263,386 residents. Union County Judicial Center, in Monroe, is about 11 miles from the Mecklenburg County courthouse in Charlotte and 15 miles from the Cabarrus County courthouse in Concord.
Neighbouring counties and the courts that serve them:
The small claims track exists for routine money disputes: fewer formalities, and a cap on what can be claimed.
Maximum claim
Where the dispute arose does not set venue in this state; where they live does.
A single argument stays a single case; it cannot be carved up to fit the limit.
A small-claims judge generally orders one side to pay money; other kinds of orders belong in higher courts.
North Carolina permits lawyers at the hearing without requiring them. Everything is built around people presenting their own case.
Minors take part through a guardian appointed by the court.
Over the limit? Two routes exist: reduce the claim to the cap and stay here, or take the full sum to regular civil court. Reducing it normally forfeits the difference.
They are the same across all 9 Union County ZIP codes, from 28079 onward. Union County is under the same limits as nearby Mecklenburg County and Cabarrus County.
Debts up to $10,000 belong in this court. These are the arguments people bring most frequently.
Union County has about 263,386 residents. Union County takes in Indian Trail, Marshville and Matthews and the rest of the county.
It's built to be navigable without a lawyer. Here's the shape of a case from start to finish.
Fill in the claim, pick the courthouse that covers the dispute, and pay what the court charges.
The defendant receives the papers through formal service and can reply or negotiate an end to it.
Expect a brief session rather than a trial, in person or by video where available, with a decision at the end or soon after.
Everything below applies to a case filed in Union County, at the Monroe courthouse. Union County Judicial Center lists (704) 698-3100 as its number.
The defendant must be given formal notice after filing. This is service of process, and as a rule you are not permitted to serve the papers yourself. The usual route in North Carolina is delivery arranged by the court, email service where the court allows it or the sheriff or constable.
Depending on the court: the sheriff or constable, a professional process server, the clerk by certified mail, or another adult who isn't part of the case. Methods and costs vary by county.
How long before the hearing notice must be given is set by the court. That deadline arrives with your hearing date. Service must be completed within 5 days of hearing. NC has close hearing dates.
Whoever serves the papers completes a proof of service, which is filed with the court before the hearing.
Service is where many self-filed cases stall. Squabble can coordinate professional Service of Process so it's done correctly and on time.
Mecklenburg County and Cabarrus County are the counties nearest to Union County. Addresses in Union County include places such as Indian Trail, Marshville and Matthews.
Claims do not stay open indefinitely. Time runs from the events themselves, and a filing made afterwards may be shut out.
| Kind of claim | Time limit to file |
|---|---|
| Written contract | 3 years |
| Oral contract | 3 years |
| Property damage | 3 years |
| Personal injury | 3 years |
The same periods apply in Union County as in nearby Mecklenburg County and Cabarrus County, which are in the same state. Union County, population about 263,386, is covered by the table above.
Money owed under a contract in North Carolina generally accrues interest at 8% per year before judgment (N.C. Gen. Stat. §24-1, §24-5).
Interest can be calculated before filing using the Squabble interest calculator.
It is the same rate across all 9 Union County ZIP codes. The rate above is the one for Union County, population about 263,386.
Two checks first: the amount must fall within the ceiling, and the claim must still be in time.
Identify the party precisely, lay out what occurred, and show the arithmetic behind the total.
File with the Union County small-claims court, or e-file, and pay the $96 fee (or request a waiver if you qualify).
With a hearing date in hand, organise service and lodge the completed proof with the court.
Sort the documents and exhibits in advance so they can be handed up in order.
Attend, in the courtroom or by video where the court allows it, put your case, and hear the ruling.
Tell Eleanor what happened and Squabble builds the filing, Triple-Checks™ it for administrative and jurisdictional accuracy, and files it on your behalf.
Start for FREE →You will meet a claim form, a proof of service, and possibly a fee waiver. What each is called depends on the court, and Squabble matches them to your courthouse.
Indian Trail, Marshville and Matthews are among the places in Union County that filings come from. Union County papers go to Union County Judicial Center in Monroe.
The hearing is brief and informal. The judge asks the questions, and most people speak for themselves.
Hearings in Union County cases are listed at Union County Judicial Center in Monroe. Indian Trail, Marshville and Matthews are among the Union County places a hearing can draw parties from.
The decision settles who owes what. Turning it into money is a separate stage, and the tools the court makes available differ by state.
Where the law allows, an employer can be directed to send part of the debtor's pay to the court.
Money in the debtor's bank account can be seized under a levy the court orders.
Registering the judgment at county level can fix a lien on real estate the debtor holds.
There is also an examination procedure: the debtor is ordered to attend and give sworn answers about earnings and assets. Interest normally accrues at the statutory rate until payment.
Indian Trail, Marshville and Matthews are among the Union County places a judgment debtor may live in. The judgment in an Union County case comes from Union County Judicial Center in Monroe.
Last checked in August 2026. Court fees, limits and procedures move; verify them with the court first.
Talk with Eleanor about what happened. Squabble prepares your demand letter and court-ready documents, Triple-Checks them for administrative and jurisdictional accuracy, and files your Union County case for you.
