§46B-6-2. Authorization to Confess Judgment Prohibited
A consumer may not authorize any person to confess judgment on a claim arising out of a rent-to-own transaction. An authorization in violation of this section is void. The provisions of this section shall not be construed as in any way impliedly authorizing a confession of judgment in any other type of transaction.
§46B-6-3. No Garnishment Before Judgment
Prior to entry of judgment in an action against the consumer for debt arising from a rent-to-own transaction, the dealer may not attach unpaid earnings of the consumer by garnishment or like proceedings. The provisions of this section shall not be construed as in any way impliedly authorizing garnishment before judgment in any other type […]
§46B-6-4. Limitation on Garnishment
(a) For the purposes of the provisions in this chapter relating to garnishment: (1) "Disposable earnings" means that part of the earnings of an individual remaining after the deduction from those earnings of amounts required by law to be withheld; and
§46B-6-5. No Discharge or Reprisal Because of Garnishment
No employer shall discharge or take any other form of reprisal against an employee for the reason that a creditor of the employee has subjected or attempted to subject unpaid earnings of the employee to garnishment or like proceedings directed to the employer for the purpose of paying a judgment arising from a rent-to-own transaction.
§46B-6-6. Personal Property Exemptions
Any consumer residing in this state may set apart and hold personal property to be exempt from execution or other judicial process resulting from rent-to-own transactions, except for the purchase money due on such property, in such amounts as follows: Clothing and other wearing apparel of the consumer, his spouse and any dependents of such […]
§46B-7-1. Service of Process on Certain Nonresidents
Any nonresident person, except a nonresident corporation authorized to do business in this state pursuant to the provisions of chapter thirty-one of this code, who takes or holds any negotiable instrument, nonnegotiable instrument, or contract or other writing, arising from a rent-to-own lease which is subject to the provisions of this chapter, shall be conclusively […]
§46B-8-1. Enforcement
For a violation of or a failure to comply with the provisions of this article by a dealer, a consumer is entitled to recover from the dealer the consumer's actual damages, reasonable attorney's fees and court costs and a civil penalty in an amount not less than $100 nor more than $1,000 for each violation.
§46B-8-2. Injunctions Against Unconscionable Agreements and Fraudulent or Unconscionable Conduct
(a) The Attorney General may bring a civil action to restrain a dealer or a person acting in his behalf from engaging in a course of: (1) Making or enforcing unconscionable terms or provisions of rent-to-own transactions;
§46B-8-3. Civil Actions by Attorney General
(a) After demand, the Attorney General may bring a civil action against a dealer for making or collecting charges in excess of those permitted by this chapter. If the court finds that an excess charge has been made, the court shall order the respondent to refund to the consumer the amount of the excess charge. […]
§46B-4-4. Threats or Coercion
No debt collector shall collect or attempt to collect any money alleged to be due and owing by means of any threat, coercion or attempt to coerce. Without limiting the general application of the foregoing, the following conduct is deemed to violate this section: (1) The use, or express or implicit threat of use, of […]