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VILLEGAS v. TRANSAMERICA FINANCIAL SERVICES

No. 2 CA-CIV 5363.

147 Ariz. 100 (1985)

708 P.2d 781

Jose R. VILLEGAS and Carmen Villegas, husband and wife, Plaintiffs/Appellants, v. TRANSAMERICA FINANCIAL SERVICES, INC., an Arizona corporation, Defendant/Appellee.

Court of Appeals of Arizona, Division 2, Department B.

October 31, 1985.

Attorney(s) appearing for the Case

Southern Arizona Legal Aid, Inc. by Charles R. Pyle, Tucson, for plaintiffs/appellants.

Streich, Lang, Weeks & Cardon by Wm. S. Hawgood, II, Phoenix, for defendant/appellee.

OPINION

LIVERMORE, Judge.

Plaintiffs, Jose and Carmen Villegas, obtained a $19,550 loan in late 1979 from defendant Transamerica Financial Services, Inc. Interest on the loan was at an annual percentage rate of 18 percent, and the loan agreement called for monthly payments of $353.00. The loan was secured by a deed of trust on plaintiffs' house. In order to avoid the existing usury laws on fixed-term loans, this loan took the form of a revolving loan agreement...

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