Download PDF Bond / surety check Deposit receipt Refund calendar math
Financing / retail installment trap
Force APR / total of payments / seller name from the written contract (copy only). Pairs bond/surety + deposit receipt. Invents no rates. Independent — not FMCSA. Not legal or lending advice.
Contract lines (copy, don’t invent)
- □ Retail installment / financing contract date: __________
- □ Seller / creditor name on contract: ______________________________
- □ APR printed on contract (copy only): __________ □ None printed
- □ Total of payments printed: __________ □ None printed
- □ Number of payments / amount of each (copy): __________ / __________
- □ Cash price vs financed difference visible? □ Yes · figures __________ □ No □ Unclear
- □ Hold signing until APR + total of payments + seller are on the page? □ Yes □ No
Refuse if…
- They push a signature before APR / total of payments / seller name appear in writing.
- Verbal “low monthly” claims don’t match any printed contract line.
Decision: □ Proceed □ Hold money □ Walk · Notes: ______________________________
Independent — not affiliated with FMCSA or any lender. Free to print. Not legal or lending advice. Invents no rates. verifiedcdlschools.com/tools/financing-trap/