In this week's episode of the Crushing Debt Podcast, I get away from interviews for a bit and talk about Usury Laws.

Usury Laws protect consumers from lenders who charge an excessive rate of interest. I had a usury issue come up in one of my cases and I thought it would be interesting to explore the issue in the podcast.

The issue is whether unpaid late charges on a mortgage can be "captured" as interest to drive up the interest rate on a residential note and mortgage to a level over 18% (which is usurious in Florida).

What do you think? Please let me know at [email protected] or www.YesnerLaw.com.