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Most people have been in this position at one time or another, be it accidentally or otherwise.

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A courtesy removal for the first late fee is typical, especially if you are a long-time customer.

In other words, it quite literally pays to have a reliable history of on-time payments.

More than likely, the late fee will be removed.

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If a specific life event like a job loss, death in the family, car accident, etc.

caused the missed payment, you may be able to get sympathy, stated Morgan.

Explain the situation and be willing to provide some proof.

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Be Proactive

This one involves a bit of foresight.

This, in turn, makes them much more willing to try and work with you.

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