Read your contract. If it doesn't specify how long, most states allow the lender to sell after 10 days. Its NOT LONG any way you look at it.
Save money by making your credit card bill payment as soon as you receive the bill in the mail or online. If you wait a few more days to weeks before making the payment, interest charges accrue daily for most accounts. This may just seem like a small amount, but over time it really can add up to a lot of cash. When you do make your credit card payment, always allow enough time for the payment to reach your creditor prior to the due date. Even when paying online, it will take several days for most payments to be logged as paid on your account. If the payment is received even a day late, late fees can be charged by your creditor. If you send a credit card bill payment by mail, try to allow at least 5 days for travel time for your payment to reach the creditor and to be posted as paid. Many late fees are around $30 to $40 each, and this could even be larger than the payment you were supposed to be making!
Credit card users can go to their card company's website to make online payments with ease. This is an excellent way to save money on stamps, time writing checks, and to avoid possible late payment fees as well. To make an online credit card bill payment all the customer must do is register on the card company's website, providing bank account information and the amount to be paid. The card company will often allow the customer to set an alert that will email a reminder when the next bill is due. That is a great way to avoid paying any possible late payment fees because the payment will always be made on time.
It is possible to never miss a credit card payment by keeping a simple calendar of due dates. Use a big calendar in a handy place, like by the kitchen stove. When you get a credit card bill, open it and mark the due date and amount in red on your calendar. Always make a credit card bill payment on time. Missing by an hour can cost up to $40 in late fees. The best policy is to pay as soon as you get the bill, but keeping a calendar will help you never miss a credit card bill payment.
When that would happen you probably did not have enough in the escrow account to the taxes when the taxes were due. Usually an amount is taken from each monthly payment and added to the estimated tax amount that will be needed when they receive the tax bill and then they pay the tax amount out the amount that is supposed in the escrow account when the tax is due.
A collection agency/creditor does not have to accept any payment amount rendered unless the terms were included in a written contract. The refusal of the agency to accept the payment does not invalidate the debt the full amount is still owed by the borrower/debtor. Call them and get more information as to why it was not accepted. Keep asking until you fully understand what the issue is. Be sure you get a paid receipt for your files once you get it resolved.