If the penalty fee has been transferred for collection by the debt collection company, it must be paid to the debt collection company. Likewise, any payment arrangements have to be agreed directly with the debt collection company.

If the penalty fee has been transferred for post collection by the debt collection company, it must be paid against the debt collection company's invoice. The payment arrangements of a penalty premium transferred to post collection have to be agreed directly with the debt collection company.

If the collection of the penalty fee has been transferred to enforcement, it must be paid through the enforcement office. Again, the payment arrangements have to be agreed with the enforcement authorities.