(1) (a)

425.106 (1) (a) and (b) , with respect to earnings and personal clothing and furnishings except as to fixtures, shall apply.

428.103(1)(d)

(d)

No creditor may take a security interest in the household goods or furnishings, other than fixtures, of a customer.

428.103(1)(e)

(e)

The creditor shall not contract for or charge its attorney fees to the customer except as follows:

428.103(1)(e)1.

1.

Reasonable fees for opinions of title.

428.103(1)(e)2.

2.

In foreclosure cases, 5 percent of the amount adjudged due the creditor; or if the dispute is settled prior to judgment, a reasonable fee based on the time, nature and extent of the work involved, but not to exceed 2-1/2 percent of the unpaid principal balance of the loan.

428.103(2)

(2)

 

A person who commits a violation of this section is liable to the customer in an amount equal to the greater of:

428.103(2)(a)

(a)

Twice the amount of the interest to be charged on the transaction, except that the liability under this subsection shall not be less than $100 nor greater than $1,000; or

428.103(2)(b)

(b)

The actual damages, including any incidental and consequential damages, sustained by the customer by reason of the violation.