If your payment is returned for any reason, you will be charged a $20 return fee. We are also charged a fee by our bank for all returned payments. You will receive an email from us letting you know the payment has been returned and given the reason for the return. You will be given the amount owed and instructions on how to make payment towards the return. We will reach out multiple times to try to collect payment, but if no response is received, we will report you to a payment collection company.