The lawsuit states the loan was to be paid off in eight installments of 110 each. The difference between the payment amounts and the original loan value is 184. 44 which calculates to 27 percent interest. Delgado said an interest rate of 68 percent is not a part of his business practice but would not comment specifically on the Laughing case. As security for the loan, Cash Cow reportedly took interest in Laughings 2000 Chevy Cavalier. It is alleged that the vehicle was repossessed when Laughing became delinquent on her payments.

Reportedly, when she paid off her loan, the vehicle was never returned to her.

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