§46B-4-5. Oppression and Abuse
No debt collector shall unreasonably oppress or abuse any person in connection with the collection of or attempt to collect any claim alleged to be due and owing by that person or another. Without limiting the general application of the foregoing, the following conduct is deemed to violate this section: (1) The use of profane […]
§46B-4-6. Unreasonable Publication
No debt collector shall unreasonably publicize information relating to any alleged indebtedness of consumer. Without limiting the general application of the foregoing, the following conduct is deemed to violate this section: (1) The communication to any employer or his agent before judgment has been rendered of any information relating to an employee's indebtedness other than […]
§46B-4-7. Fraudulent, Deceptive or Misleading Representations
No debt collector shall use any fraudulent, deceptive or misleading representation or means to collect or attempt to collect claims or to obtain information concerning consumers. Without limiting the general application of the foregoing, the following conduct is deemed to violate this section: (1) The use of any business, company or organization name while engaged […]
§46B-4-8. Unfair or Unconscionable Means
No debt collector shall use unfair or unconscionable means to collect or attempt to collect any claim. Without limiting the general application of the foregoing, the following conduct is deemed to violate this section: (1) The seeking or obtaining of any written statement or acknowledgment in any form that specifies that a consumer's obligation is […]
§46B-4-9. Postal Violations
No debt collector shall use, distribute, sell or prepare for use any written communication which violates or fails to conform to United States postal laws and regulations.
§46B-5-1. Notice of Assignment
A consumer is authorized to pay the original dealer until he receives notification of assignment of rights to payment pursuant to a rent-to-own transaction and that payment is to be made to the assignee. A notification which does not reasonably identify the rights assigned is ineffective. If requested by the consumer, the assignee must seasonably […]
§46B-5-2. Receipts; Statements of Account; Evidence of Payment
(a) The dealer shall deliver or mail to the consumer, without request, a written receipt for each payment by coin or currency on an obligation pursuant to a written rental agreement. A periodic statement showing a payment received complies with this subsection. (b) Upon written request of a consumer, the dealer shall provide a written […]
§46B-5-3. Notification
(a) Every person engaged in this state in making rent-to-own transactions and every person having an office or place of business in this state who takes assignments of and undertakes direct collection of payments from or enforcement of rights against debtors arising from such transactions shall file notification with the State Tax Department within thirty […]
§46B-6-1. Assignment of Earnings
(a) The maximum part of the aggregate disposable earnings of an individual for any workweek which may be subjected to any one or more assignments of earnings for the payment of a debt or debts arising from one or more rent-to-own transactions may not exceed twenty-five percent of his disposable earnings for that week. (b) […]
§46B-4-2. Referral Sales or Leases
With respect to a rent-to-own transaction, the dealer may not give or offer to give a rebate or discount or otherwise pay or offer to pay value to the consumer as an inducement for a sale or lease in consideration of his giving to the dealer the names of prospective purchasers or consumers, or otherwise […]