Georgia Code, Title 10, Chapter 1, Article 1 - Retail Installment and Home Solicitation Sales

• § 10-1-1 - Short Title
  This article shall be known and may be cited as "The Retail Installment and Home Solicitation Sales Act."
• § 10-1-2 - Definitions; Construction
  (a) As used in this article, the term: (1) "Cash sale price" means the price for which the seller would have sold or furnished...
• § 10-1-3 - Requirements for Retail Installment Contracts; Time Price Differential; Prepayment; Inclusion of Construction Permit Costs
  (a) Every retail installment contract shall be in writing and shall be completed as to all essential provisions prior to the signing thereof by...
• § 10-1-4 - Requirements for Revolving Accounts; Limitations on Time Price Differential
  (a) Every revolving account shall be in writing and shall be completed prior to the signing thereof by the retail buyer. The printed portion,...
• § 10-1-5 - Mail Order and Telephone Sales
  Retail installment contracts negotiated and entered into by mail or telephone without personal solicitation by salesmen or other representatives of the seller, where a...
• § 10-1-6 - Buyer's Right to Cancel Home Solicitation Sale
  (a) The buyer shall have a right to cancel a home solicitation sale agreement until 12:00 Midnight of the third business day after the...
• § 10-1-7 - Providing for Payment of Delinquency Charges, Attorneys' Fees, Court Costs, and Check Dishonor Fees
  (a) A retail installment contract or a revolving account may provide for payment by the buyer of a delinquency charge on any installment which...
• § 10-1-8 - Security Interest Not Taken on Certain Items; Application of Payments to Revolving Accounts; Written Agreements
  (a) Any security interest taken pursuant to a retail installment contract or revolving account shall not be taken with respect to clothing, softwares, and...
• § 10-1-9 - Transfer of Retail Installment Contracts or Revolving Accounts
  (a) Any retail seller may assign, pledge, hypothecate, or otherwise transfer a retail installment contract or revolving account to any person, firm, or corporation...
• § 10-1-10 - Disposition of Goods Repossessed After Default; Right to Recover Deficiency
  When any goods have been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall...
• § 10-1-11 - Second Mortgage Statute Not Affected; Exemption From Loan and Interest Statutes
  Nothing contained in this article shall be construed so as to amend, modify, supersede, or repeal Article 2 of Chapter 4 of Title 7,...
• § 10-1-12 - Prior Contracts or Accounts Not Affected
  This article shall not make unlawful contracts or accounts in effect prior to October 1, 1967.
• § 10-1-13 - Waiver of This Article Void
  Any waiver of this article shall be unenforceable and void.
• § 10-1-14 - Limitation of Actions
  (a) No action shall be brought under this article more than four years after the person bringing the action knew or should have known...
• § 10-1-15 - Criminal and Civil Penalties
  (a) Any person who shall willfully and intentionally violate any provision of this article shall be guilty of a misdemeanor and, upon conviction thereof,...
• § 10-1-16 - Inapplicability of This Article to Educational Entities and Student Loan Transactions
  This article shall not apply to the University System of Georgia or its educational units, to private colleges and universities in this state and...

Last modified: October 14, 2016