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I am Loren, a licensed attorney for over 30 yrs. Thank you for your patience as I review the question. I will post my response shortly.
The debt collector may not charge any more than you agreed to pay. So, if you signed a fee agreement or other contract with the original creditor providing for interest, collection fees, or other additional charges, then it is legal. Otherwise, it is not and you should report the collection agent to the state attorney general's office.
Thank you for following up.
It can just be stated that the costs of collection will be added. It does not need to state a particular rate.
I am sorry. I wish I could tell you otherwise, but it is somewhat arbitrary if the agreement just states the costs of collection to be added.
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