The law actually requires more than this, but it is generally deemed sufficient to lower the rate to 6% and turn off fees. Fees would be interest, so if the rate is at 6%, no fees.That should suffice for anyone who asks.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell