Georgia In-Home Installment Home Improvement Contract

Georgia In-Home Installment Home Improvement Contract

Before signing: Use this form only for a buyer's household home-improvement project, solicited in person and signed at the buyer's home, with payment by installments. Fill every essential term, both cancellation notices, and the cancellation deadline before the buyer signs. Give the buyer a completed copy and two completed notices at signing; explain the cancellation right orally. Print the federal warning and both notices in boldface type of at least 10 points, and the other printed contract terms in at least 6 points. Use the language principally used in the oral sales presentation. This English form is for an English presentation. If a separate federal dwelling-secured rescission rule applies, use the instrument and notices required for that transaction instead.

Transaction date: [__/__/____]

Buyer: [FULL LEGAL NAME] Buyer's residence: [STREET, CITY, GEORGIA ZIP]

Seller / contractor: [FULL LEGAL NAME] Seller's permanent business and cancellation address: [STREET, CITY, STATE ZIP]

Seller's phone and email: [PHONE; EMAIL]

1. Work and schedule

Seller will perform the following work at [PROPERTY ADDRESS]: [DESCRIBE LOCATIONS, MEASUREMENTS, MATERIALS, BRANDS, FINISHES, AND CLEANUP].

Plans and specifications attached: [DOCUMENT TITLE AND DATE / NONE]. Excluded work: [DETAILS / NONE].

Permits and inspections: [PARTY RESPONSIBLE AND SPECIFIC TASKS].

Expected start: [__/__/____]. Expected substantial completion: [__/__/____]. A change to the scope, price, or schedule requires a written change order signed by both parties before the changed work begins.

2. Price and installment terms

Cash sale price, including listed permit charges and taxes: $[AMOUNT]. Down payment: $[AMOUNT], payable [DATE].

Amount financed: $[AMOUNT]. Time price differential / finance charge, if any: $[AMOUNT]. Total of payments: $[AMOUNT].

Installments: [NUMBER] payments of $[AMOUNT] each, due [EACH DUE DATE OR COMPLETE ATTACHED SCHEDULE]. Final payment: $[AMOUNT] due [DATE].

Other agreed charges, if any: [TYPE, AMOUNT, AND WHEN DUE / NONE]. Credit disclosures attached: [IDENTIFY COMPLETE DOCUMENT / NONE IF NOT REQUIRED].

No blank in an essential credit or work term may be filled after Buyer signs. Seller will give Buyer an exact, completed copy of everything Buyer signs at signing. This agreement itself grants Seller no security interest in Buyer's dwelling.

3. Cancellation and performance

Buyer may cancel through midnight on [CANCELLATION DEADLINE]. Seller must fill that date with a deadline no earlier than the later of the applicable Georgia and federal third-business-day deadlines. For a Georgia statutory cancellation, Buyer may send written notice to Seller's business address above by certified mail or statutory overnight delivery, return receipt requested, posted by the deadline. For the federal notice, Buyer may mail or deliver any signed and dated written cancellation to the same address by the completed federal deadline. No particular wording is required to show Buyer's intent to cancel.

For a transaction covered by the federal Cooling-Off Rule, cancellation is without penalty or obligation. Seller will not claim a cancellation charge under Georgia law for that covered transaction. Seller will return payments and property and cancel any payment instrument or security interest as the applicable federal rule requires. Any goods delivered to Buyer will be made available at Buyer's residence for Seller to collect as the federal notice explains.

The parties may agree on a new start date after the cancellation period. This contract does not waive any cancellation right.

4. Georgia retail installment warning

Do not sign this before you read it or if it contains any blank spaces. You are entitled to an exact copy of the paper you sign. You have the right to pay in advance the full amount due and under certain conditions to obtain a partial refund of the time price differential.

5. Federal cancellation warning and signatures

You, the buyer, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right.

Buyer acknowledges receipt of a completed copy of this contract and two completed, detachable cancellation notices at signing: Initials [____] Date: [__/__/____]

Buyer signature: ______________________________ Date: [__/__/____]

Seller authorized signature: ______________________________ Date: [__/__/____]

Detachable federal notice of cancellation — buyer copy 1

NOTICE OF CANCELLATION

Transaction date: [__/__/____]

You may CANCEL this transaction, without any Penalty or Obligation, within THREE BUSINESS DAYS from the above date.

If you cancel, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice, and any security interest arising out of the transaction will be cancelled.

If you cancel, you must make available to the seller at your residence, in substantially as good condition as when received, any goods delivered to you under this contract or sale, or you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller's expense and risk.

If you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your Notice of Cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.

To cancel this transaction, mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram, to [SELLER LEGAL NAME], at [SELLER BUSINESS ADDRESS] NOT LATER THAN MIDNIGHT OF [CANCELLATION DEADLINE].

I HEREBY CANCEL THIS TRANSACTION.

Cancellation date: [__/__/____]

Buyer signature: ______________________________

Detachable federal notice of cancellation — buyer copy 2

NOTICE OF CANCELLATION

Transaction date: [__/__/____]

You may CANCEL this transaction, without any Penalty or Obligation, within THREE BUSINESS DAYS from the above date.

If you cancel, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice, and any security interest arising out of the transaction will be cancelled.

If you cancel, you must make available to the seller at your residence, in substantially as good condition as when received, any goods delivered to you under this contract or sale, or you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller's expense and risk.

If you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your Notice of Cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.

To cancel this transaction, mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram, to [SELLER LEGAL NAME], at [SELLER BUSINESS ADDRESS] NOT LATER THAN MIDNIGHT OF [CANCELLATION DEADLINE].

I HEREBY CANCEL THIS TRANSACTION.

Cancellation date: [__/__/____]

Buyer signature: ______________________________

Official sources

• Georgia Code Revision Commission public-domain Title 10 text (current text checked against the Legislature's 2023–2026 enactment summaries and the signed 2024 code-revision act).
• Current 16 C.F.R. Part 429, official GovInfo XML.