Duvera Billing Services, LLC Consumer Loan Complaint

Duvera Billing Services, LLC Consumer loan department,

Installment loan Managing the loan or lease Pennsylvania

I purchaed a sofa from a local establishment $580.00. Total cost -. I requested to finance part of it. They use Duvera Financial but the minimum they would finance was $370.00 which I did. If I paid it off in 3 mon. it was interest free. I could not afford to do that. I received the contract from them in the mail 2 weeks later and charged me 189 % interest. Is this legal? I ca n't afford this. Do I have any recourse? They will do nothing about it over the phone.