North Dakota Century Code Title 13. Debtor and Creditor Relationship § 13-11-13. Contracts, books, and records

1. Upon request, each debt-settlement provider shall furnish to the commissioner a copy of the contract entered between the debt-settlement provider and the debtor. The debt-settlement provider shall furnish the debtor with a copy of the written contract at the time of execution which sets forth the charges, if any, agreed upon for the services of the debt-settlement provider.

2. Each debt-settlement provider shall maintain records and accounts that will enable any debtor contracting with the debt-settlement provider, at any reasonable time, to ascertain the status of all the debtor's accounts with the debt-settlement service provider, including the amount of any fees paid by the debtor, amount held in trust, if applicable, settlement offers made and received on each of the debtor's accounts, and legally enforceable settlements reached with the debtor's creditors. Within seven days after a request for that information by the debtor, the debt-settlement provider shall furnish a statement showing the total amount received and the total disbursements to each creditor to any individual. Each debt-settlement provider shall issue a receipt for each payment made by the debtor at a debt-settlement provider office. Each debt-settlement provider shall prepare and retain in the file of each debtor a written analysis of the debtor's income and expenses to substantiate that the plan of payment is feasible and practical.