should have for the creditor to charge a very high collection fee "retro-actively"?Promissory note says to pay amount within a certain date, other wise there will be a late payment fee, without specifying how many days after the due date account can go to collection. Promissory note only vaguely states that debtor is responsible for court fees and collection fees if debt is sent to collection.Debt was sent to external collection and collection fee was added. After 6 months was sent back to original creditor (or original creditor took it back) and debt was entirely paid to original creditor in full. A new statement by original creditor is then created a month later with solely a collection fee to be paid. Creditor refuses to reinstate account if collection fee is not paid.