In collection related to consumers, collection costs are based on the law. Collection costs cannot grow indefinitely; there is a certain cost cap prescribed for them in law.
In business collection, collection costs arise from the measures undertaken by the collection company and the working time spent on them. Collection costs may include, for example, the registration of the collection item, preparation and sending of payment demands, reporting to a credit information register, and material and salary costs. The Debt Collection Act (22.4.1999/513) obliges the debtor to compensate the creditor for reasonable costs arising from the collection of the debt, regardless of whether the debt is collected by the creditor itself or collection company representing the creditor.