Nothing in this chapter shall be construed to permit:
(1) The use or sale of forms that simulate legal forms so as to deceive a debtor or the general public;
(2) The unauthorized practice of law; or
(3) A collection agency to notify a credit bureau or credit agency concerning the owner of record of a motor vehicle who has failed to pay an overdue parking ticket or tickets without first notifying the owner of record of the motor vehicle that, if the ticket is not timely paid to the collection agency by a date included in the notification, the credit bureau or credit agency will be notified of such fact, which could affect the owner's credit rating.