I'm reprinting a question from 2004 from JJohns, which wasn't answered at the time. I wonder the same thing myself:

Section 12-1021(h)(3) of the MD Credit Grantors - Closed End laws says that if the optional pre-repo right to cure (RTC) notice was given, we can require the debtor to pay the repo expenses as a condition of reinstating the contract and getting their vehicle back after a repo.
The question: if we do not send the pre-repo RTC notice, can we at least charge the repo costs to the debtor's account even though we don't make them pay it to resintate the account?