Usury is personal defense; no collection from insolvent to prejudice of others

Interest on judgments. Interest on child support and domestic relations orders; settlement of unreimbursed public assistance. Law of place of contract governs interest unless otherwise provided. Interest runs from default unless otherwise agreed; when demand necessary. When interest runs on liquidated demands; promissory notes payable on demand. When interest runs on commercial accounts; maximum interest rate on commercial accounts. Payment applied first to interest; no interest on unpaid interest; exceptions. Criminal penalty for excessive interest. Civil action to enforce chapter. Election to forgo application of federal usury laws. Class action barred on claims for violation of interest laws on loans secured by real estate. Article 2 Residential Second Mortgages 7-4-30 through 7-4-36. [Reserved].