Extorsión a través de préstamos usureros

Explicación Simple

Si alguien te presta dinero y te dice que debes devolverlo con un interés muy alto, eso puede ser ilegal. Además, si te amenaza con malas consecuencias si no pagas, eso es extorsión.

Es como cuando un amigo te dice que te prestará su videojuego, pero solo si le das tu consola como garantía. Si no cumples, te amenaza con no devolverte el juego nunca.

Ejemplo Práctico

Imagina que Juan necesita dinero para pagar su renta. Pedro le presta $200, pero le dice que debe devolverle $300 en una semana. Además, Pedro le advierte que si no lo hace, se las verá con personas muy peligrosas. Esto podría ser una extensión de crédito extorsiva.

Penalidades

La persona culpable puede enfrentar cargos de delito grave, lo que podría incluir prisión.

Texto Original del Estatuto (Inglés)

RCW 9A.82.020 - Extortionate extension of credit (1) A person who knowingly makes an extortionate extension of credit is guilty of a class B felony.(2) In a prosecution under this section, if it is shown that all of the following factors are present in connection with the extension of credit, there is prima facie evidence that the extension of credit was extortionate:(a) The repayment of the extension of credit, or the performance of any promise given in consideration thereof, would be unenforceable at the time the extension of credit was made through civil judicial processes against the debtor in the county in which the debtor, if a natural person, resided or in every county in which the debtor, if other than a natural person, was incorporated or qualified to do business.(b) The extension of credit was made at a rate of interest in excess of an annual rate of forty-five percent calculated according to the actuarial method of allocating payments made on a debt between principal and interest, pursuant to which a payment is applied first to the accumulated interest and the balance is applied to the unpaid principal.(c) The creditor intended the debtor to believe that failure to comply with the terms of the extension of credit would be enforced by extortionate means.(d) 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. RCW 9A.82.030 - Advancing money or property to be used for extortionate credit A person who advances money or property, whether as a gift, loan, investment, or pursuant to a partnership or profit-sharing agreement or otherwise, to any person, with the knowledge that it is the intention of that pers