Taken from “From Debt to Riches” by Phumelele Ndumo

Credit providers often pay debt collectors and lawyers contingency fees  or commission, which can be up to 25% of the debt outstanding , for helping them to recover their money. These fees shout NOT be added to the debt amount but hey often are and the debtor ends up paying the commission.

Human resource managers should not honour a garnishee order where collection fees have been added to the debt amount. The debtor has a right to ask for a full statement to see how the amount was arrived at.