A consumer credit counseling service may charge an origination fee of up to fifty dollars, which may be subtracted from the initial amount paid by the debtor to the counseling service. The consumer credit counseling service may withdraw and retain as partial payment of the service’s total fee up to fifteen percent of any sum deposited by the debtor for distribution. The remainder must be disbursed to the listed creditors in accordance with the parties’ agreement. Disbursement must be made within forty-five days after deposit by the debtor. Before an automatic termination, either party may cancel the agreement without cause upon giving to the    other party thirty days’ written notice of an intent to cancel. In the event of a cancellation, the consumer credit counseling service shall notify the debtor’s creditors within thirty days.