1. A debt-settlement provider may not provide debt-settlement service to a consumer without a written contract signed and dated by both the consumer and the debt-settlement provider. 2. Any contract for the provision of debt-settlement service entered in violation of this section is voidable. 3. A contract between a debt-settlement provider and a consumer for the provision of debt-settlement service must disclose all of the following clearly and conspicuously: a. The name and address of the consumer. b. The date of execution of the contract. c. The legal name of the debt-settlement provider, including any other business names used by the debt-settlement provider. d. The corporate address and regular business address, including a street address, of the debt-settlement provider. e. The telephone number at which the consumer may speak with a representative of the debt-settlement provider during normal business hours. f. A complete list of the consumer's accounts, debts, and obligations to be included in the provision of debt-settlement service, including the name of each creditor and principal amount of each debt. g. A description of the services to be provided by the debt-settlement provider, including the expected time frame for settlement for each account, debt, or obligation included in subdivision f. h. An itemized list of all fees to be paid by the consumer to the debt-settlement provider, and the date, approximate date, or circumstances under which each fee will become due. i. A good-faith estimate of the total amount of all fees and compensation, not to exceed the amounts specified in section 13 -11-21, to be collected by the debt-settlement provider from the consumer for the provision of debt -settlement service contemplated by the contract. j. A statement of the proposed savings goals for the consumer, stating the amount to be saved per month or other period, time period over which savings goals extend, and the total amount of the savings expected to be paid by the consumer pursuant to the terms of the contract. k. The amount of money or the percentage of debt the consumer must accumulate before a settlement offer will be made to each of the consumer's creditors. I. The written individualized financial analysis required by section 13-11-18. m. The contents of the "Consumer Notice and Rights Form" provided in section
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