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A top publisher charging money? That doesn't sound right. Are you sure it isn't a vanity-press scam?

Here's a tip: if a publisher is interested, you can get yourself an agent without any problem. Representing you would be easy money for them if they don't have to chase down a publisher for you. An agent will get you the best publishing contract with decent royalties and ensure all rights remain with you except those the publisher needs to publish the book.

Also, google the publisher and see if you can find out if anyone has had a bad experience with them. Remember, a publisher fully expects to lose money on a debut novel - they are nurturing you for future profits. Some may not give you an advance, but I've never heard of a publisher asking for money unless they are scamming you.