North Dakota Statutes
§ 13-11-12 — Advertising and marketing practices
1.A debt-settlement provider may not represent, expressly or by implication, any results
or outcomes of its debt-settlement services in any advertising, marketing, or other
communication to consumers unless the debt-settlement provider possesses
substantiation for the representation at the time the representation is made.
2.A debt-settlement provider may not make, expressly or by implication, any unfair or
deceptive representations, or any omissions of material facts, in any of its advertising
or marketing communications concerning debt-settlement services.
3.All advertising and marketing communications concerning debt-settlement services
must disclose the following material information clearly and conspicuously:
Debt-settlement services are not appropriate for everyone. Failure to pay
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Fraudulent intent a question of fact§ 13-01-11
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