North Dakota Statutes
§ 13-11-18 — Individualized financial analysis
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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