North Dakota § 13-11-12 - Advertising and marketing practices
Full text of North Dakota North Dakota Century Code § 13-11-12 — Advertising and marketing practices, with citation guidance and answers to common questions.
§ 13-11-12. Advertising and marketing practices
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. 2. 3. 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. 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.
Source: official North Dakota text · Last verified 2026-08-27
Frequently Asked Questions About North Dakota § 13-11-12
What does North Dakota Century Code § 13-11-12 cover?
Section 13-11-12 ("Advertising and marketing practices") is part of the North Dakota Century Code, the codified statutory law of North Dakota. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite North Dakota § 13-11-12?
A common citation format is "North Dakota Century Code § 13-11-12" (North Dakota). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of North Dakota law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the North Dakota official source linked on this page or consult a licensed North Dakota attorney.
How does North Dakota § 13-11-12 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in North Dakota can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in North Dakota.