In many cases collection costs are allowed, but there may be issues with interest on the NSF fees that you may have in that collection balance. If your state does allow it, read the allowance carefully.
FWIW I'd start with my state banking association.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell