If KBM or Asher has violated any Usury laws in New York why haven't they been prosecuted - remember they sued HJOE not the other way. HJOE has never paid off a note - starting with the TCA note. Also, you need to read the following: New York usury laws do not apply to defaulted obligations. Any penalty interest rates or late fees assessed against a borrower do not constitute usury. This is because where interest has already fallen due, it becomes a debt that, like any other debt, may either be paid in cash or treated as a new loan to the debtor under an agreement that it shall bear interest. So please explain why KBM or Asher have never been prosecuted for violating the usury laws - they haven't and it is because they aren't in violation. IG