No debt cancellation agreement shall be issued that:
(1) Is in any respect in violation of or does not comply with this subchapter;
(2) Contains or incorporates by reference if incorporation by reference is otherwise permissible any inconsistent, ambiguous, illusory, or misleading clauses or exceptions and conditions that deceptively affect the material terms of the debt cancellation agreement;
(3) Has a title, heading, or other indication of its provisions that is misleading; or
(4) Is sold after any representation, oral or written, that is misleading or deceptive with respect to any material term of the contract or any provision of this subchapter.