Section 6
SEC. 6. Any person or corporation who, for any such loan or forbearance, shall have paid or delivered a higher rate or greater sum or value than is hereinbefore allowed to be taken or received, may recover the whole interest paid or delivered with costs and attorney's fees in such sum as may be allowed by the court in an action against the person or corporation who took or received it, if such action is brought within two years after such payment or delivery: Provided, however, That the creditor shall not be obliged to return the interest collected by him in advance when the debtor shall have paid the obligation before it is due, provided such interest does not exceed from ten to twelve per centum per annum, according as it falls under section two or section three of this Act.