North Dakota Statutes
§ 13-11-18 — Individualized financial analysis
North Dakota § 13-11-18
This text of North Dakota § 13-11-18 (Individualized financial analysis) is published on Counsel Stack Legal Research, covering North Dakota primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.
Bluebook
N.D. Cent. Code § 13-11-18 (2026).
Text
1.Before entering a written contract with a consumer, a debt-settlement provider shall
prepare and provide to the consumer in writing and retain a copy of:
a.An individualized financial analysis, including the individual's income, expenses,
and debts; and
b.A statement containing a good-faith estimate of the length of time it will take to
complete the debt-settlement program, the total amount of debt owed to each
creditor included in the debt-settlement program, the total savings estimated to be
necessary to complete the debt-settlement program, and the monthly targeted
savings amount estimated to be necessary to complete the debt-settlement
program.
2.A debt-settlement provider may not enter a written contract with a consumer unless the
debt-settlement provider makes written determina
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Nearby Sections
15
§ 13-01-01
Definitions of creditor and debtor§ 13-01-03
Creditors may be preferred§ 13-01-04
Marshalling funds - Rights of creditors§ 13-01-06
Transfer of personalty without changing of possession or filing of instrument presumed fraudulent§ 13-01-07
Instruments affecting realty void when made with intent to defraud - Good-faith purchaser protected§ 13-01-08
When act of debtor void for fraud§ 13-01-10
Fraudulent intent a question of fact§ 13-01-11
Fraudulent conveyance - PenaltyCite This Page — Counsel Stack
Bluebook (online)
North Dakota § 13-11-18, Counsel Stack Legal Research, https://law.counselstack.com/statute/nd/13-11-18.