; or (4) shall, if the debt has no payment periods, allow the consumer or small business a reasonable time in which to repay the debt in affordable payments. (d) Communications in connection with the collection of a debt (1) In general Without prior consent of the consumer or small business given directly to the debt collector during a covered period, or the express permission of a court of competent jurisdiction, a debt collector shall only communicate in writing in connection with the collection of any debt. (2) Required disclosures (A) In general All written communications under paragraph (1) shall inform the consumer or small business that the communication is for informational purposes and is not an attempt to collect a debt. (B) Requirements The disclosure required under subparagraph (A) shall be made— (i) in type or lettering not smaller than 14-point bold type; (ii) separate from any other disclosure; and (iii) in a manner designed to ensure that the recipient sees the disclosure clearly. (e) Violation Any person who violates this section shall— (1) except as provided in paragraph (2), be subject to civil liability in accordance with section 813 as if the person is a debt collector for purposes of that section; and (2) be liable in an amount not greater than 10 times the amounts described in section 813. (f) Tolling Except as provided in section (g)(5), any applicable time limitations, including statutes of limitations, related to a debt under Federal or state law shall be tolled during the covered period. (g) Claims of affected creditors and debt collectors (1) Claim A creditor or debtor may bring an action in an appropriate bankruptcy court of the United States— (A) asserting a taking under the Fifth Amendment to the Constitution of the United States as a result of this section