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In ordinary words.
Being short on money can cost extra money.
In legal terms.
Disclosure, opt-in and unfair-practice rules apply; specific fee structures can be challenged.
Where it stops being legal.
This practice is not categorically legal. Applicable federal, state and local laws, disclosures, procedural protections and the specific facts can make particular conduct unlawful.
General U.S.-focused information. Cases and statutes may have jurisdiction-specific exceptions. This citation may be a general primer; verify the governing primary authority. Not legal advice.