pence by 7:30 p.m. at the Chief office. Such mail typically received a special postmark to note the late fee paid. Often a special Late Fee Box was provided. Poverty Late fees charged by banks, landlords, and utilities have been heavily criticized as a penalty against the poor, and attempts have been made in some places to outlaw them completely or place caps on them. The argument against them is that the poor will inevitably be forced to pay them as they cannot earn the money to pay their bills by the due date. These people will be forced to pay even higher fees for the same services, and will find making future timely payments to their creditors even more difficult. On the other hand, late fees are sometimes levied by freelancers when payments to them are delayed. In this case, late payments can help protect non-staffers against income instability. See also Grace period Turn-off notice Regarding libraries: Library card Public library References Renting Mathematical finance Credit Personal financial problems Economics and time