High-pressure selling thrives, particularly on the home front, with door-to-door salespersons.

Recognizing that persons may be pressured into signing a contract for an overpriced product or unwanted service, the Federal Trade Commission (FTC) has ruled that buyers may change their mind if a sale is concluded somewhere other than the normal place of business and the item costs more than $25. A buyer may void a signed contract withing three business days -- the "cooling off" period.

Salespersons must include a disclosure notice with each sales contract. Also, the salesperson must supply two copies of the cancellation notice to a buyer at the time of sale. After thinking it over (cooling off), a buyer who wants out of the contract signs and sends one copy of cancellation notice to the sales agency.

Too often, according to the FTC, direct-sales do not provide the disclosure notice or the cancellation forms. This practice is a violation of the rules.

The commission recommends send- [TEXT OMITTED FROM SOURCE] of the third business day after the sale to notify the seller. Weekend days don't count.

For example, if you buy a vacuum cleaner from a door-to-door salesperson on Wednesday, you have until midnight the following Monday to notify the seller in writing. The seller must void the contract and return any money paid when formally notified.

Consumer protection laws and regulations are foumulated to protect people from discrimination for such things as sex, age, national origin or race in granting credit, jobs, billing, trade activities and financial transactions. But unless you learn about and use the protection available, you may be denied your legal rights.