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Reasonable and necessary costs that the PHA incurs related to the collection including costs <br />of investigation, legal fees, and agency collection fees. <br />The family must be afforded the opportunity for an informal hearing in accordance with <br />requirements in 24 CFR 982.555. <br />If HUD incurs costs on behalf of the PHA related to the collection, these costs must be deducted <br />from the amount retained by SARA. <br />~~02~12 Page 14-9 <br />