Thank you for your patience; A provision that includes costs allows the lender to pursue the balance due, plus legal fees and other association expenses (that is typically only allowed if the invoice specifically states that).
For suits under $10,000 small claims is appropriate:
The courts prefer it if there is first a demand letter requesting payment, and then filing suit.
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Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care