Hardwick v. Wilcox

Opinion

RUVOLO, P. J.—

I. INTRODUCTION

Between 1999 and 2010, Albert P. Wilcox made a series of loans to James N. Hardwick. In 2013, Hardwick filed this action to recover usurious interest and prevent Wilcox from foreclosing on property securing his loans. Wilcox countersued for breach of contract and judicial foreclosure. The trial court entered judgment in favor of Hardwick, finding, among other things, that usurious interest payments made over the course of the relationship offset the principal debt, and that Hardwick could recover $227,235.83 in interest payments he made during the two years…