West Virginia Home-Solicitation Credit Cancellation Addendum for Home Improvement
WEST VIRGINIA HOME-SOLICITATION CREDIT CANCELLATION ADDENDUM
Attach to the complete signed agreement: This rider is for a seller-financed consumer home-improvement sale priced above $25, personally solicited and signed at Buyer's residence, when both West Virginia's home-solicitation provisions and the federal Cooling-Off Rule apply. The underlying agreement must state the complete work and credit terms. This rider is not for a loan rescindable under the federal Truth in Lending Act, or for a sale within another exclusion. Give Buyer the completed agreement, this signed rider, and two completed detachable notices at signing. Prepare them in the language principally used in the sales presentation. Print the federal statement beside Buyer's signature in bold type of at least 10 points, and print both notices in bold type of at least 10 points.
Transaction date (the date Buyer signs): [__/__/____]
Seller legal name: [________________________________]
Seller's permanent business and cancellation-mailing address: [STREET, CITY, WV ZIP]
Buyer legal name: [________________________________]
Buyer's residence and work site: [STREET, CITY, WV ZIP]
Underlying signed agreement title and date: [________________________________]
Total purchase price, including credit charges: $[AMOUNT]
Place of solicitation and signing: [________________________________]
1. Cancellation rights and return duties
Buyer may cancel this covered home-solicitation sale before midnight of the third business day after the day Buyer signs. Written notice expressing an intent not to be bound may be sent to Seller at the address above. If mailed, West Virginia treats it as given when properly addressed, postage prepaid, and placed in a mailbox. The completed detachable notices below give other delivery options. Complete the actual deadline on both notices before Buyer signs.
If Buyer cancels, Seller shall return payments and debt instruments and address any traded property, delivered goods, and security interest as the state and federal rules require. West Virginia does not allow Seller compensation for services performed before cancellation of a covered sale. An emergency exception applies only if its actual conditions are met; ordinary work begun during the cancellation period is not itself a waiver of rights.
Last day to cancel, calculated under both applicable rules: [DAY, MONTH, DATE, YEAR] at midnight.
Seller orally explained Buyer's right at signing: ☐ Yes.
Buyer received at signing: ☐ Completed underlying agreement ☐ Completed signed rider ☐ Two completed, detachable Notices of Cancellation.
2. Buyer's right to cancel; signatures
BUYER'S RIGHT TO CANCEL: If Seller personally solicited this agreement away from its fixed business location and Buyer does not want the services, Buyer may cancel by mailing written notice to Seller at the address above before midnight of the third business day after signing. The two notices below explain the right and provide the completed deadline.
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 signature: ____________________ Date written by Buyer in Buyer's own handwriting: __/__/____
Seller or authorized representative signature: ____________________ Date: [__/__/____]
Printed name and title: [________________________________]
NOTICE OF CANCELLATION — copy 1, detach and give to buyer
Transaction date: [DATE OF TRANSACTION]
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 NAME], at [SELLER BUSINESS ADDRESS] NOT LATER THAN MIDNIGHT OF [CANCELLATION DEADLINE].
I HEREBY CANCEL THIS TRANSACTION.
Date: [__/__/____] Buyer's signature: ____________________
NOTICE OF CANCELLATION — copy 2, detach and give to buyer
Transaction date: [DATE OF TRANSACTION]
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 NAME], at [SELLER BUSINESS ADDRESS] NOT LATER THAN MIDNIGHT OF [CANCELLATION DEADLINE].
I HEREBY CANCEL THIS TRANSACTION.
Date: [__/__/____] Buyer's signature: ____________________
Official sources
About this template
- Last updated
- November 2, 2026
- Citations checked
- November 2, 2026
- Jurisdiction
- West Virginia
- Category
- Contracts & Agreements
Legal authority
- W. Va. Code § 46A-1-102(22) (home-solicitation sale and exclusions)
- W. Va. Code § 46A-2-132 (buyer cancellation)
- W. Va. Code § 46A-2-133 (signed agreement, buyer's handwritten date, notice)
- W. Va. Code § 46A-2-134 (restoration of payment and trade-in)
- W. Va. Code § 46A-2-135 (delivered goods and services after cancellation)
- 16 C.F.R. § 429.0(a) (federal door-to-door coverage)
- 16 C.F.R. § 429.1(a)-(c), (e) (contract statement, notices, oral explanation)
A contract is a written record of what two or more parties agreed to and what happens if someone does not follow through. Clear language, defined terms, and clean signature blocks keep disputes small and enforceable. The most common mistakes in contracts come from vague promises, missing details about timing or payment, and skipping standard protective clauses like governing law and dispute resolution.
Not legal advice
This template is provided for informational purposes. We recommend having an attorney review any legal document before signing, especially for high-value or complex matters.
Checked against the law it cites
A reviewer verified this template's legal citations against the official source on November 2, 2026.
W. Va. Code § 46A-1-102(22) (checked November 2, 2026): "Home solicitation sale means a consumer credit sale in excess of $25"
W. Va. Code § 46A-2-132 (checked November 2, 2026): "a buyer shall have the right to cancel a home solicitation sale until midnight of the third business day"
W. Va. Code § 46A-2-133 (checked November 2, 2026): "No such written agreement or offer to purchase shall be effective until after it has been signed by the buyer and he has written the date of such signature in his own handwriting."
W. Va. Code § 46A-2-133, federal notice equivalence (checked November 2, 2026): "Any written agreement or offer to purchase which contains the form and content of notice of cancellation required by the federal trade commission"
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