Consumer Rights & Debt

The Interest Rate Is 50% Per Month — You Agreed to It

Q: But you voluntarily agreed to the interest rate, so you cannot now claim damage.

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Q: The law only applies to damages from personal injury, not financial disputes.

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An unlicensed lender charges excessive interest rates and demands repayment under threat

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The Situation

What They Said

“You agreed to the interest rate when you took the money. You must pay — or there will be consequences.”

An informal or unlicensed money lender demands repayment at an interest rate far above what the law permits, using the fact of the borrower's agreement as justification and adding implicit or explicit threats for non-payment.

The Fallacy

Consensual Exploitation / Agreement Overrides Law

The lender argues that your agreement is the only relevant fact — you accepted, so the terms are binding regardless of their legality. However, no agreement can override mandatory legal provisions that protect consumers. Many jurisdictions have laws that set maximum limits on interest rates and fees. An agreement to pay an excessively high monthly interest rate may be unenforceable if it violates such limits. Exploitation agreed to under financial desperation does not become legal merely because both parties signed.

What the Law Says

Your Legal Foundation

Código Civil y Comercial de la Nación

art. 1740 del Código Civil y Comercial — Usury and threats

“Repair of damage must be full. It consists of restoring the injured party to the situation prior to the harmful event, whether by payment in money or in kind.”

The borrower's agreement to an illegal interest rate does not waive the right to full reparation; the lender's threats and excessive interest constitute a harmful event, so the borrower can demand restoration to the pre-agreement state, meaning only the principal need be repaid, not the unlawful interest.

What Scripture Says

God's Word on This

Nehemiah 5:10-11 (NET)

“I and my relatives and my associates are also lending them money and grain. But let's discontinue this practice of charging interest! Return to them this very day their fields, their vineyards, their olive trees, and their homes, and the hundredth part of the money, grain, new wine, and olive oil that you are charging them.”

Nehemiah commanded immediate cancellation of unlawful interest and the return of wrongly taken assets — not negotiation, not a payment plan, but full restitution. When a lender operates outside the law, charging exploitative rates, their demands for interest are not legitimate claims but oppression. The proper response is to name the exploitation and insist on lawful terms.

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What They'll Say Next

Common Counter-Arguments

After you respond, they may push back with these arguments. Members get the full rebuttal for each.

They might say: “But you voluntarily agreed to the interest rate, so you cannot now claim damage.”

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They might say: “The law only applies to damages from personal injury, not financial disputes.”

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