There are a number of issues that must be investigated before a determination regarding violation of New York State Usury laws. First is why the $6223 was charged. Second - is the 29.5 APR. Generally - NYS usury laws limit the interest rates on certain transactions to 16%. However there are various factors that impact the applicability of usury laws.
I would be happy to review the paperwork that you have and discuss the matter with you further.