No they can't it's against the law. However the original creditor is allowed to add collection fees as long as the underlying contract allows for it. For example medical intake forms often allow for...
Typically it is NOT the collection agency that adds "extra fees". When the original creditor has exhausted all of it's internal collection efforts, it sends the debt to a collection agency.
The...
this depends on a few different things. one, is the collector "assigned" to collect the debt by the original creditor? if so and you agreed in the original contract to do so, then you are stuck with...