Hello how may I help you? I have a question about late fees How can I help you with that? I would like to know how much I currently owe in late fees The records show a total of $22.95 due in late fees. Okay, can I pay that now or do I have to come in person? If you want to pay cash, you will have to go in person. If you want to use debit or credit, you can do it online with me. Okay, I don't have a credit or debit card. I will have to pay in person. Thanks Are there any other questions about your account I can help with? No, that's all for now I am here whenever you need something.