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” 478-5 Usury not recoverable. If a better interest rate than that allowed for legal reasons is contracted for with regards to any credit rating deal, any home-based business loan or any charge card contract, the agreement shall perhaps not, by explanation thereof, be void. However if in just about any action regarding the agreement evidence is created that a better interest rate than that allowed for legal reasons happens to be straight or indirectly contracted for, the creditor shall just recover the main additionally the debtor shall recover expenses.