1. Notwithstanding any other provision of law to the contrary, attorneys' fees are permitted to enforce a credit agreement provided the enforcing attorney is a licensed member of the Missouri bar or is authorized to practice law in Missouri, and such fees meet one of the following requirements:
(1) Such fees are included in the written credit agreement, and are not otherwise prohibited by law; or
(2) Such fees do not exceed fifteen percent of the outstanding credit balance in default, provided such credit was extended by a for-profit business or credit union.
2. At the court's discretion, additional fees may be awarded to the attorney for the prevailing party.
3. For the purposes of this section, a "credit agreement" shall have the same meaning as provided in subsection 1 of section 432.045.
4. No provision of this section shall be construed to authorize or limit attorney's fees permitted parties and transactions not covered by this section.