Legal Question in Consumer Law in Virginia
Child care businesses here in Virginia seem to be charging exorbitant late fees these days. Example: my grand-daughter's mother has been one to five minutes late picking her up three times, with a late pick-up charge of $15 each time for a total of $45 in late pick-up fees. These instances all occurred within a short time of each other and she was unable to pay the $45 when it occurred. Now, about 6 weeks later she went to pay the charge and the business owner tells her interest has accrued and she now owes $85. Granted, she should have paid it when it was due, but everyone is struggling these days and paying her rent took priority over paying a late charge. The questions is: Is it legal for a child care facility to charge over 100% "interest" on a late fee?
1 Answer from Attorneys
Not sure, whether this would violate the Commonwealth's laws against usury,
but the better question might be as to what does this mother's agreement/contract
with the daycare provider have to say about this issue?
Furthermore, why is she even agreeing to pay a late fee for being five minutes
late in picking up the child? Time for her to be looking for another
daycare provider (in my opinion).
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