Legal Question in Civil Rights Law in California

Well was there a written agreement? If none then what was the agreement? If you didn't agree to this then she is going to have a hard time collecting the money from you.

I would suggest you tell her to leave you alone and if she wants anything further to sue you assuming you didn't agree to the 10% a month. If she still bothers you you might suggest to her that you will get a restraining order against her if she doesn't quit harassing you. To a point she can bug you about the money but at some point it becomes harassing in which case a restraining order against her is appropriate.

Good luck and hope that helps.

Private parties may not charge that much interest, and any court would deny her collection action. It is ten times the legal limit. You have already paid far more than the law permits her to charge. Simply tell her you are done paying usury.