Title 9-A, Title 9-A

No employer shall discharge 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 consumer cr…

1. If it is the understanding of the creditor and the consumer at the time an extension of credit is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation or property of…

1. With respect to a consumer credit transaction, if the court as a matter of law finds: A. The agreement to have been unconscionable at the time it was made, or to have been induced by unconscionable conduct, the court may refuse to enforce the agreement; or [PL 1973, c. 762, §1…

An agreement of the parties to a consumer credit transaction with respect to default on the part of the consumer is enforceable only to the extent that: [PL 1973, c. 762, §1 (NEW).] 1. The consumer fails to make a payment as required by agreement; or 2. The prospect of payment, p…

1. With respect to a consumer credit transaction, after a consumer has been in default for 10 days for failure to make a required payment and has not voluntarily surrendered possession of goods that are collateral, a creditor may give the consumer the notice described in this sec…

1. With respect to a consumer credit transaction, except as provided in subsection 2, after a default consisting only of the consumer's failure to make a required payment, a creditor, because of that default, may neither accelerate maturity of the unpaid balance of the obligation…

Upon default by a consumer, unless the consumer voluntarily surrenders possession of the collateral to the creditor, the creditor may take possession of the collateral without judicial process only if possession can be taken without entry into a dwelling, unless such entry has be…

An action against a consumer arising from a consumer credit transaction shall be brought in any county or division of the consumer's residence, section 1‑201, subsection 6, in the county or division in which the transaction was made or where an interest in land secures the consum…

At any time after the entry of a judgment in favor of a creditor against a consumer in an action arising from a consumer credit transaction, the court, for cause and upon motion of a party or on its own motion, may, while such court retains jurisdiction, stay enforcement of the j…

A creditor or a person acting for a creditor may not induce a consumer to enter into a consumer credit transaction by misrepresentation of a material fact with respect to the terms and conditions of the extension of credit. A consumer so induced may rescind the sale, lease or loa…

1. In attempting to collect an alleged debt arising from a consumer credit sale, consumer lease or consumer loan, a person shall not: A. Use or threaten force or violence; [PL 1973, c. 762, §1 (NEW).] B. Threaten criminal prosecution; [PL 1973, c. 762, §1 (NEW).] C. Disclose or t…

1. Definition of "health care provider." For purposes of this section, "health care provider" means a physician, health care practitioner, hospital, clinic, clinical laboratory, health care facility or other person or facility that provides health care services and is licensed or…

A seller may not: [PL 1991, c. 524, §1 (NEW).] 1. Misrepresentations. Misrepresent any material fact relating to the terms or conditions of sale; 2. False impressions. Create an impression that is false or the seller does not believe to be true; and 3. False promises. Promise per…

1. Definitions. As used in this section, unless the context otherwise indicates, the following terms have the following meanings. A. "Automated clearinghouse" means the nationwide electronic funds transfer system that provides for an interbank exchange of either checks or automat…

1. If a creditor has violated the provisions of this Act applying to collection of excess charges or enforcement of rights, section 1‑201, subsection 5, waiver clauses, section 1‑107, use of multiple agreements, section 3‑304, certain negotiable instruments, section 3‑307, assign…

Refunds or penalties to which the consumer is entitled pursuant to this Part may be set off against the consumer's obligation, and may be raised as a defense to a suit on the obligation without regard to the time limitations prescribed by this Part.

Any creditor, any officer or employee of a creditor, or any other person who wilfully and knowingly violates any of the provisions of this Act, or directly or indirectly counsels, aids or abets such violation, shall be punished by a fine of not more than $2,500 for each offense, …