{"data":{"id":"us-nd/n.d.-cent.-code-13-11-12","jurisdiction":"us-nd","citation":"N.D. Cent. Code § 13-11-12","heading":"Advertising and marketing practices","body":"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.\n2.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.\n3.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 your monthly bills in a timely manner will result in increased balances and will harm your credit rating. Not all creditors may agree to reduce principal balance, and they may pursue collection, including lawsuits.","path":["Title 13 Debtor And Creditor Relationship","Chapter 13-11 Debt-Settlement Providers"],"source_url":"https://ndlegis.gov/cencode/t13c11.pdf","current_through":"2026-07-31T11:12:02","vintage":"","retrieved_at":"2026-09-02T21:04:14Z","sha256":"5c169558488483c7b552a2059bd67609c7c19322dcf5a4154a068bffb86aaf4b","source_id":"us-nd","stale":true,"prev":"us-nd/n.d.-cent.-code-13-11-11","next":"us-nd/n.d.-cent.-code-13-11-13"},"notice":"GroundRules: Original legal text. Not legal advice."}