>Collection costs such as processing fees and costs associated with potential civil litigation can also be added. What's to stop this from being abused, as the

>Collection costs such as processing fees and costs associated with potential civil litigation can also be added. What's to stop this from being abused, as the threshold for "potential civil litigation" is probably a low and subjective bar, which the poor couldn't afford to challenge/fight, if they were delinquent anyway...? Also, delinquent is simply late on payments and not defaulted, yeah? One is far more egregious than the other, is it not?