Sec. 345.061. CHARGES FOR COLLECTING DEBT. A retail installment contract may provide for the payment of: (1) an attorney's reasonable fees if the contract is referred for collection to an attorney who is not a salaried employee of the holder; and (2) court costs and disbursements. Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.