(a) If any amount other than, or in excess of, the charges permitted by this chapter is willfully charged, contracted for, or received, the contract of loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction.
(b) If any provision of this chapter is willfully violated in the making or collection of a loan, whether by a licensee or by an unlicensed person subject to this chapter, the contract of loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction.