You reduce your rate to 6% and disallow other fees such as late fees. As you indicate thay are "interest" and would be usurious.
Other charges and fees you charged since April 20101 would have to be refunded unless you go below 6% and do the math to ensure you don't yield >6%.
(If you read the SCRA itself, you actually calculate 6% and waive the difference between that and what you would have charged.)
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AndyZ CRCM
My opinions are not necessarily my employers.
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