(b) A principal creditor shall have no civil liability under this
article if, within fifteen days either after discovering a violation
which is able to be cured, or after the receipt of a written notice of
such violation, the principal creditor notifies the debtor of the
violation, and makes whatever adjustments or corrections are necessary
to cure the violation with respect to the debtor.
(c) No principal creditor shall be deemed to have violated the
provisions of this article, if such person, firm, partnership,
association or corporation shows by a preponderance of the evidence that
the violation was not intentional and resulted from a bona fide error
made notwithstanding the maintenance of procedures reasonably adopted to
avoid such error.