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<p>[QUOTE=&quot;NorthKorea, post: 1799248, member: 29643&quot;]Are you saying it might be low for the OP&#039;s situation? I assumed 9% usury law interest rate on personal loans for Illinois coupled with maximum 100% penalty in a lawsuit. Given that he&#039;s openly stated being in collections and in default, 18% seemed on the low end of assumptions.</p><p><br /></p><p><br /></p><p>I don&#039;t think OP has access to a brokerage account. He might be able to convince his parents or siblings to invest for him, but I still say the best investment would be to repay his debts at 18% interest.[/QUOTE]</p><p><br /></p>

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