It's not just about the money. If if KBM wins HJOE has to pay them. While if HJOE wins KBM would likely end up facing criminal felony charges. Because of their long history of making these usurious loans the court could give the Kramer boys the maximum penalties allowed. That's a big risk for them to take.


S 190.42 Criminal usury in the first degree.
A person is guilty of criminal usury in the first degree when, not
being authorized or permitted by law to do so, he knowingly charges,
takes or receives any money or other property as interest on the loan or
forbearance of any money or other property, at a rate exceeding
twenty-five per centum per annum or the equivalent rate for a longer or
shorter period and either the actor had previously been convicted of the
crime of criminal usury or of the attempt to commit such crime, or the
actor`s conduct was part of a scheme or business of making or collecting
usurious loans.
Criminal usury in the first degree is a class C felony.

S 190.45 Possession of usurious loan records.
A person is guilty of possession of usurious loan records when, with
knowledge of the contents thereof, he possesses any writing, paper,
instrument or article used to record criminally usurious transactions
prohibited by section 190.40.
Possession of usurious loan records is a class A misdemeanor.