Here is their response it is the last paragraph of the reply
. Essentially the plaintiffs would have this Court accept the proposition that since they have gotten away with this activity in the past, that somehow the Court should turn a blind eye to the fact that this activity of charging usurious interest rates is, in fact, a crime. At the very least the Court should void the contract as it is based upon terms that are illegal and therefore unenforceable in any court. The plaintiff is trying to dance around this issue. In the end, plaintiff cannot escape the fact that this activity is criminal and can not be condoned by this or any Court