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TITLE 1.6C. FAIR DEBT COLLECTION PRACTICES
Article 3. Debtor Responsibilities
California Civil Code Section 1788.20-1788.22




1788.20.  In connection with any request or application for consumer
credit, no person shall:
   (a) Request or apply for such credit at a time when such person
knows there is no reasonable probability of such person's being able,
or such person then lacks the intention, to pay the obligation
created thereby in accordance with the terms and conditions of the
credit extension; or
   (b) Knowingly submit false or inaccurate information or willfully
conceal adverse information bearing upon such person's credit
worthiness, credit standing, or credit capacity.




1788.21.  (a) In connection with any consumer credit existing or
requested to be extended to a person, such person shall within a
reasonable time notify the creditor or prospective creditor of any
change in such person's name, address, or employment.
   (b) Each responsibility set forth in subdivision (a) shall apply
only if and after the creditor clearly and conspicuously in writing
discloses such responsibility to such person.



1788.22.  (a) In connection with any consumer credit extended to a
person under an account:
   (1) No such person shall attempt to consummate any consumer credit
transaction thereunder knowing that credit privileges under the
account have been terminated or suspended.
   (2) Each such person shall notify the creditor by telephone,
telegraph, letter, or any other reasonable means that an unauthorized
use of the account has occurred or may occur as the result of loss
or theft of a credit card, or other instrument identifying the
account, within a reasonable time after such person's discovery
thereof, and shall reasonably assist the creditor in determining the
facts and circumstances relating to any unauthorized use of the
account.
   (b) Each responsibility set forth in subdivision (a) shall apply
only if and after the creditor clearly and conspicuously in writing
discloses such responsibility to such person.

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