When Are Accounts Turned over to Collections?

by Will
(Houston, TX USA)

What is the time frame on a past due account balance before it's turned into collections? 30, 60, or 90 days?

Comments for When Are Accounts Turned over to Collections?

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Feb 24, 2010
how long until accounts are sent to collections
by: Gerri and Mary

Thanks for submitting your debt collection question on our Q&A page.

Past due credit card debts are typically turned over to collections when they are 180 days past due. For other types of debts, the creditor or service provider will set its own policy, but we don't usually see debts turned over to collections until at least 90 days have passed with no payments. If you tell us a little more about your situation in the comments field, below, perhaps we can help you understand your options for dealing with this debt.

Mar 02, 2010
by: SMH

i added a similar question to the original post,
verified my email, but somehow it still hasn't
been added.

i have to deal with the collection agency in the
next few days & would appreciate your input.

Reply from DebtCollectionAnswers.com:

We're sorry - we are not sure what happened to your question. Can you please submit it again? We are getting a ton of questions, though, so please keep in mind it can take us a few days to get to it.

May 22, 2011
past due martial arts
by: Anonymous

i was on the final month of a martial arts contract taking jiu jitsu. On the final payment i am 50 days late, i have stayed in contact with the owner and have made it clear that i would pay all late fees. Out of the blue in a response to my email stating i was working on the money he merely states its been turned over to collections. No written notice, no nothing. He has my facebook info,my phone number and could leave voice mails at anytime. Nothing was said to me stating he was getting ready to turn it over to collections. I made offer to come pay it same day he sent me the email response and was told "no, you have to deal with the collections now" Is this legal after only a month and a half with no warning? The contract states nothing about time frame on collections.

Reply from DebtCollectionAnswers.com:

We aren't aware of any federal law that prevents a creditor from turning an account over to collections if you are in default. Nor are we aware of any requirement to notify you in advance before turning it over to collections. However, we are not attorneys so you may want to check with one.

Jan 31, 2012
propane billing problem
by: Anonymous

I ordered propane from my suppler in Dec,they a left a statement of the amount. I pay my bills montly due to the fact I just get paid once a month. At he end of Dec I got the bill and I paid them more than half of the amount due because it included my yearly tank rental and was a little more than I had bugeted for. I sent them a note with the payment that I would pay the balance at the end of Jan, I never got a response from them but did recieve another bill with a $8.00 rebilling charge. I sent them the balance on the 28th of the month and on the 30th I got a letter from a collection agent?

Dec 27, 2014
Medical bill turned over to collections
by: Anonymous

My boyfriend was actively paying on his medical bills faithfully. He just made a payment last week and we got a letter from a collection agency for the remaining balance? Is this fair?

Reply from DebtCollectionAnswers.com:

It certainly doesn't seem fair. It's not uncommon and may not be illegal though. We'd recommend you file a complaint with the Consumer Financial Protection Bureau.

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