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with some creditors when you're late once they begin the process by calling you and making you aware of the fact that you're late with the payment. if you don't respond in a timely fashion they will begin the collection process.

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16y ago
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15y ago

Usually before the statute of limitations runs out in your state on that kind of debt (3 to 5 years, commonly).

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Q: How far behind in payments to a credit card until they take it to court?
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