If you do not make a loan payment by your due date, we will attempt to contact you using one or more authorized methods, including phone calls, emails, and text messages to arrange for payment. In addition, we may re-present any returned payments to your bank in accordance with your loan agreement, applicable law, and regulatory requirements we may assess a returned item fee of $25 as permitted by state law. You may also incur a fee from your bank or credit union. Waldo Financial will then attempt to contact you in order to make alternate payment arrangements. The customer may also incur additional fees. Specific late and non payment fee's include a $25.00 Return Item Fee and a Late Fee of 5% of the principal loan amount after 15 days. For more information on late and non payment fees please check your actual final loan disclosure documents.