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Try CasePortal for FreeJ. Blanchard finds partially in favor of the consumer in his dispute with the creditor over collection efforts for a $500 loan with a 399% annual percentage interest rate. The circuit court improperly dismissed the consumer's good faith counterclaim, as at least one set of allegations in the counterclaim regarding violations of notice of right to cure requirements is sufficiently pleaded under the Wisconsin Consumer Act, and the circuit court's order is reversed for those allegations. The circuit court also improperly dismissed the consumer's unconscionability counterclaim under the Act, as the creditor's initial filing of its lawsuit attempting to collect the balance of the loan plus nearly $2,000 in interest and fees triggered the potential for such a claim, and it does not matter that the creditor successfully moved for voluntary dismissal of its claim, though the circuit court's voluntary dismissal decision is upheld. Reversed in part.