When debt has gone 90 days past due, you likely are facing intense collection efforts. Calls and letters from the creditor will get more frequent and more aggressive, so know your debt collection rights.
If the debt is on a credit card, the issuer may shut down the card at this time. It’s likely that the creditor again will report the delinquency to credit reporting bureaus.
Meanwhile, late fees and interest will keep piling up.
What you can do: You may still have time to set up a payment plan, but you’ll have to act quickly because the creditor likely is considering selling the debt to a third-party debt collector.
Call the creditor to ask about a payment or hardship plan.
Learn more: Click on another stage in the debt timeline below, or return to the introduction.