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A debtor must be provided a notice if consent is not obtained from at least 51% of creditors, in number or dollar amount, within 90 days of establishing a debt management plan. What is considered providing "notice" to the debtor?

The notice must be in writing and delivered by letter, e-mail, or fax. A notice to the debtor must identify: the creditors that did not provide consent; disclose 51% consent was not obtained; and state the debtor may, at their option, close the account.