Title 14 — Uniform Consumer Credit Code
8 chapters · 164 sections in this title.
14 GCA § 5101 Short Title
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This Chapter shall be known and may be cited as Uniform Consumer Credit Code-Remedies and Penalties.
14 GCA § 5102 Scope
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This Article applies to actions or other proceedings to enforce rights under this Code arising out of consumer credit sales, consumer leases an consumer loans which are payable in installments. SOURCE: Amended by P.L. 16-73.
14 GCA § 5103 Restrictions on Deficiency Judgments in Consumer Credit
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Sales. (1) With respect to a consumer credit sale of goods or services, if the amount financed is One Thousand Dollars ($1,000.00), or less, and the seller or his transferee repossesses or voluntarily accepts surrender of collateral on default: (a) the seller or his transferee is…
14 GCA § 5104 No Garnishment Before Judgment
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Prior to entry of judgment in an action against the debtor for debt arising from a consumer credit sale, a consumer lease or a consumer loan, the creditor may not attach unpaid earnings of the debtor by garnishment or like proceedings.
14 GCA § 5105 Limitation on Garnishment of Unpaid Earnings
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(1) A creditor may not enforce payment of a judgment arising out of a consumer credit sale, a consumer lease or a consumer loan by garnishment or like proceedings directed to a person other than the debtor to recover unpaid earnings of the debtor, except earnings of the debtor ea…
14 GCA § 5106 Unconscionability
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(1) With respect to a consumer credit sale, consumer lease or consumer loan, if the court as a matter of law finds the agreement or any clause of the agreement to have been unconscionable at the time it was made the court may refuse to enforce the agreement, or it may enforce the…
14 GCA § 5201 Effect of Violations on Rights of Parties
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(1) Except as otherwise provided, no violation of this Title shall impair rights on a debt. (2) The debtor is not obligated to pay a charge in excess of that allowed by this Title, and if he has paid an excess charge, he has a right to a refund. A refund may be made by reducing t…
14 GCA § 5202 Effect of Violations of Disclosure Provisions
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[Repealed by P.L. 16-73.] --------- ARTICLE 3 CRIMINAL PENALTIES
14 GCA § 5301 Wilful Violations
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(1) An authorized lender who wilfully makes charges in excess of those permitted by the provisions of the Chapter on Loans (Chapter 3) applying to regulated loans (Article 5), is guilty of a misdemeanor and upon conviction shall be subject to punishment by a fine not exceeding Fi…
14 GCA § 5302 Disclosure Violations
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[Repealed by P.L. 16-73] ----------- COL120106