Elise speaks very little English. Herman comes to her house to sell her a vacuum cleaner. Herman persuades Elise to sign a contract to purchase the vacuum cleaner for $$5,000$ in monthly installments, along with finance charges. Elise earns $$750$ per month in net income from her job. According to the terms of the contract, If Elise does not pay her $$200$ monthly payment for the vacuum cleaner, she will owe Herman an additional $$75$ per month as a penality for each month she pays late or does not pay. A court would likely deem this contract which of the following?

Multiple Choice

Unconscionable

Enforceable as a matter of law

Enforceable as a matter of equity

Ratified after Elise has made three consecutive monthly payments

Enforceable as to the vacuum cleaner purchase and the assoclated financing, but unenforceable as to the late$-$or non$-$payment penalty.