RSA 399-D:15 Provisions Applicable to Debt Management Plans Under This Chapter.

I. Fees shall be amortized equally each month over the length of the contract.
II. A licensee shall not be entitled to any fee until the contract has been in effect for at least 30 days, and thereafter, the monthly amortized fee may be charged at 30-day intervals for the term of contract, except in the event of prepayment or cancellation thereof.
III. A licensee shall not receive any fee unless it receives the written acceptance of creditors which hold at least 25 percent of the debtor's total amount of indebtedness, and either:
(a) At least 25 percent of the total number of creditors listed in the contract; or
(b) A distribution of payment to at least 25 percent of the total number of creditors.
IV. A creditor or its attorney shall have access to all r