Illegal. When the debtor performs its debt, it only needs to repay the interest and principal agreed with the creditor. There are no legal provisions on collection fees and are not protected by law. The law stipulates that creditors have the right to require debtors to perform their obligations in accordance with the law. Article 412 of the Civil Code: If the debtor fails to perform the due debt or the circumstances agreed by the parties to realize the mortgage rights occur, causing the mortgaged property to be seized by the people's court in accordance with the law, the mortgagee shall have the right to collect the mortgaged property from the date of seizure. The natural fruits or legal fruits of the mortgaged property, except where the mortgagee has not notified the person obligated to pay off the legal fruits.