Yes. The costs usually include court filing fees, a lawyer’s fee, the sheriff’s fee, possibly a collection agency fee, plus hours of the creditor’s time. Even if the creditor handles the lawsuit without a lawyer, a simple debt collection can cost at least $25.00, not counting time. If a lawyer is involved, which is usually the case, that amount rises to about $150.00. If the debtor doesn’t think they owe all of the debt, this means more time and more expense for the creditor.