Except as provided in subsection (b) of this section, a holder may not directly or indirectly contract for, charge, or receive from a buyer or a surety for a buyer on account of or in connection with any agreement, any charge or amount for the extension of credit, interest, fees, commissions, delinquency, collection, repossession, and foreclosure or otherwise. A holder may charge the buyer the following charges or fees: Subject to the provisions of § 12-630 of this subtitle, the time balance of an installment sale agreement; If allowed by a court as costs, the official fees paid to a public official in connection with a proceeding to: Recover possession of the goods; Enforce any obligation of the buyer or his surety; or Realize on any security interest or collateral security; If no charge was made in the agreement on account of the insurance for the period covered, the premiums for insurance as provided by § 12-613 of this subtitle; The amount paid for copies of agreements and statements of accounts pursuant to § 12-621 of this subtitle; Charges permitted by: §§ 12-623 and 12-626 of this subtitle for delinquencies and repossession expenses; and Law for extensions and refunds; and An amount not exceeding $15 if payment is made with a check that is dishonored on the second presentment.