Esparza v. Nolan Wells Communications, Inc.
Thomas Esparza, Jr. appealed a trial court's judgment regarding his usury counterclaim against Nolan Wells Communications, Inc. The central dispute revolved around the applicability of a 'bona fide error' defense under Texas usury law, stemming from an employee's unauthorized charge of interest on Esparza's account. The appellate court clarified that intent to charge usurious interest is immaterial if such interest was, in fact, charged through a unilateral act within implied authority, and that mistakes of law do not fall under the 'accidental and bona fide error' exception. The court found that Nolan Wells Communications, Inc. had charged $93.60 in usurious interest. Consequently, the appellate court modified the trial court's judgment, awarding Esparza a forfeiture of $390.40 and $6,000.00 in attorney's fees as an offset against Nolan Wells' original claim, thus affirming the modified judgment.