South Carolina Retail Installment Contract and Security Agreement

State:
Multi-State
Control #:
US-01496BG
Format:
Word; 
Rich Text
Instant download

Description

In a retail installment sale to a consumer as defined by Regulation Z of the Federal Trade Commission (FTC), the creditor must make the disclosures required by Regulation Z clearly and conspicuously in writing, in a form that the consumer may keep. The disclosures must be grouped, must be segregated from everything else, and must not contain any information not directly related to the disclosures required by Regulation Z (although the disclosures may include an acknowledgment of receipt, the date of the transaction, and the consumer's name, address, and account number). 12 C.F.R. § 226.17(a)(1). Regulation Z sets forth several closed-end model forms and clauses which illustrate other formats for these disclosures. 12 C.F.R. Part 226, Appendix H.


A federal notice regarding preservation of the consumer's claims and defenses is
required on all consumer credit contracts by Federal Trade Commission regulation. 16
C.F.R. § 433.2. The notice must appear in at least 10- point, bold face, type or print and
must be worded as shown if the form.

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  • Preview Retail Installment Contract and Security Agreement
  • Preview Retail Installment Contract and Security Agreement
  • Preview Retail Installment Contract and Security Agreement
  • Preview Retail Installment Contract and Security Agreement
  • Preview Retail Installment Contract and Security Agreement

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FAQ

Pursuant to Section 37-1-109, designated dollar amounts in the Consumer Protection Code are subject to change on July 1 of every even-numbered year based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI).

686 Section 60. SECTION 37-1-107. Waiver; agreement to forego rights; settlement of claims. (1) Except as otherwise provided in this title, a buyer, lessee, or debtor may not waive or agree to forego rights or benefits under this title.

Any kind of service or product that was sold to you at your home by someone coming to your door and selling it to you is subject to your right to cancel the purchase. You're entitled to a full refund if you notify the seller that you are cancelling the sale within three business days.

In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Residents of South Carolina have several rights when it comes to paying off debt and it is important to understand each one to avoid being taken advantage of by debt collectors.

SECTION 37-2-104. "Consumer credit sale" defined. (e) with respect to a sale of goods or services, the amount financed does not exceed twenty-five thousand dollars. (b) a sale of an interest in land if the debt is secured by a first lien or equivalent security interest in real estate.

Code is amended to read: Section 37-2-307. (A) As used in this section: (1) Every motor vehicle dealer charging closing fees on a motor vehicle sales contract shall pay a one-time registration fee of ten dollars during each state fiscal year before January thirty-first to the Department of Consumer Affairs.

Interest Rates Laws in South Carolina Code SectionSouth Carolina Code of Laws 34-31-20: Legal Rate of InterestLegal Maximum Rate of Interest8.75% (§34-31-20)Penalty for Usury (Unlawful Interest Rate)Usury penalty laws repealed June 25, 1982, but old law may apply to transactions before then (formerly §34-31-50)2 more rows

The parties to the contract must be competent to make a contract, and not incapacitated by mental incompetency, infancy, or the like. Any contract for an interest in land or any agreement that is not to be performed within one year must be in writing and signed by the party against whom it is seeking to be enforced.

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South Carolina Retail Installment Contract and Security Agreement