Late fee routines would be based on state laws. In some cases you may charge a late fee after "X" days of being past due. If all the payments are 29 days late and you may accrue the fee at 10, each is assessed a late fee. Some states though, require you to apply the payment to the last month that is still owed, not the first. This may mean that you get only one late fee. That would be my guess.
_________________________
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