North Dakota Statutes
§ 13-07-02 — Consumer credit counseling service - Contract requirements
North Dakota·Title 13 Debtor and Creditor Relationship·Ch. 13-07 Consumer Credit Counseling Services
Any agreement between a consumer credit counseling service and a debtor for counseling
and assistance must be in writing and signed by both parties. The consumer credit counseling
service shall give the debtor a copy of the signed agreement. The agreement must disclose the
total amount that may be retained by the consumer credit counseling service if the contract is
fully performed, the terms upon which the debtor may cancel the contract, and all debts that are
to be managed by the counseling service, including the name of each creditor and the amount
of each debt. A consumer credit counseling service may not enter an agreement with a debtor
unless a thorough written budget analysis indicates that the debtor can reasonably meet the
requirements of the financial adjustment plan and that the
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