Presunción de que la extensión de crédito es extorsiva

Explicación Simple

Si alguien te presta dinero a un interés muy alto y te amenaza si no pagas, eso puede ser una estafa. La ley dice que si hay señales de esto, se puede suponer que el préstamo es extorsivo.

Es como cuando un amigo te presta su consola de videojuegos, pero si no le devuelves el control, empieza a gritarte y a hacerte sentir mal. Eso no es una buena forma de prestar algo.

Ejemplo Práctico

Imagina que Juan necesita dinero para pagar su renta. Pedro le presta $150, pero le cobra un interés excesivo y le dice que si no paga, le hará daño. La ley podría considerar que este préstamo es extorsivo porque hay amenazas involucradas.

Penalidades

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Texto Original del Estatuto (Inglés)

C.R.S. 18-15-103 – Presumption that extension of credit is extortionate (1) The provisions of this section are nonexclusive and in no way limit the effect or applicability of section 18-15-102 . (2) In any prosecution under section 18-15-102 , if it is shown that the factors enumerated in paragraphs (a), (b), and (c) of this subsection (2) were present in connection with the making of the extension of credit in question, there shall arise a presumption that the extension of credit was extortionate: (a) The extension of credit was made with a loan finance charge in excess of that established for criminal usury. (b) At the time credit was extended, the debtor reasonably believed that one or more extensions of credit by the creditor had been collected or attempted to be collected by extortionate means or the nonrepayment thereof had been punished by extortionate means. (c) Upon the making of the extension of credit, the total of the extensions of credit by the creditor to the debtor then outstanding, including any unpaid interest or similar charges, exceeded one hundred dollars. (3) In any prosecution under section 18-15-102 , evidence of similar offenses tending to establish the existence of a plan, scheme, or design on the part of the defendant to produce a result of which the act charged is a part shall be admissible in evidence against the defendant.