All charges, fees and expenses, including payment for loss of or damage to the car, are due at our demand. If you do not pay all charges when due, you agree to pay a late charge of 11% per month on the past due balance. If that rate is not permitted by law, then you will pay the highest rate permitted by law on the past due balance. You will pay any collection costs, including a service charge for any check that is not honored by a financial institution and our reasonable attorney’s fees. If you don’t pay any amount when due, if the law permits, you authorize us to contact you or your employer at you place of business about payment. If you fail to pay any indebtedness to us in full, you understand that we may report such deficiency to an appropriate credit reporting agency.