In 2025, the post-judgment interest rate in California is generally 10% per year,
只有兩個特例，Medical Debt & Personal Debt 的年期利率是 ５％
然而，加州對於 personal debt 的定義如下
In California, a personal debt is defined as money, property, or their equivalent, owed or alleged to be owed from a natural person to another, primarily for personal, family, or household purposes. This definition encompasses various types of debts like credit cards, personal loans, and other forms of borrowing used for non-business purposes.
同時，更進一步說，
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Personal debt is distinct from non-consumer debt, which is incurred for business or investment purposes, such as business loans or mortgages on business properties.
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- Credit Card Debt: Funds borrowed for personal purchases and services.
- Student Loans: Loans taken out to finance education.
- Auto Loans: Loans for purchasing a car for personal use.
- Mortgages: Loans for purchasing a home.
- Personal Loans: Loans used for various personal expenses.
- Payday Loans: Short-term loans often with high interest rates.
- Medical Debt: Outstanding medical bills.
- Credit Card Debt: Funds borrowed for personal purchases and services.
也就是說，如果這是一筆個人借款之間的糾紛，沒有錯，如果你延遲繳納法院最終判決給對方的額度，對方可以要求的最高利率是 5%。 但是你這個情況，並不是個人借貸，而是拖欠應負擔的工程款，所以理論上對方要求 10% 的利率是合理的。 (特別是對方有律師代理，這個計算並沒有問題)
至於您的訴求，我查了，个人债务最多是5%，对方要10%应该是故意吓唬我，我的想法是要求法官按BOA存款利率算，大约0.x% 更是非常的"奇葩"，您基本上是發明一條法律。老貓不認為一個心智正常的法官會同意您的訴求
老貓的建議是，把錢付了，不要認為自己有能力可以用 DA MA 文化 DIY 處理或是耍賴來面對任何法律上的問題，對了，現在是川總當政，你想用種族牌來扯皮絕對討不到好處。(因為人家就是徹徹底底的種族主義者，OK)
