Dave: You are so correct- that was why I put "criminal" in (parans)- and said "if Late charges could be"- the wording would have to be just right so that the underlying intent is known while the "criminal" part is left up in the air- or possibility- one could always just indicate that the "full extent of the law"" could be enforced also. That why there is no direct threat - and really this is only meant to be an incentive to pay up on what they are obligated to anyway- nothing new to them, except a round about way to avoid paying the fees.
Steve Meinecke
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