District Court, W.D. Kentucky May 23, 2014, Civil Action No. 3:13-CV-1021-H (Grace v. LVNV Funding, Inc.)

MEMORANDUM OPINION AND ORDER

JOHN G. HEYBURN II, Senior District Judge.

This case raises the interesting question of when a “service charge” might actually constitute interest under Kentucky law. Defendant PSI Louisville (“PSI”) collects debts for an emergency room that Grace once visited. The emergency room charges what its intake contract deems an 18% “service charge” on past due accounts.