If you are behind on your bills and are being hounded by your creditors, the experience can be unsettling.  Many people are curious as to how long it takes for their past due accounts to be turned over to a third party collections company or collection agency.

It Can Take 90-120 Day For Your Account To Go Into Collections

The original issuer of your credit card will probably try to collect from you for the first three to four months.  After that they will probably send you to a collection agency.  The collection agency is usually very aggressive and will pursue you very hard for payment.

You best bet is to do whatever you need to do to stay current on your bills.  Being in debt is no fun and worrying about it will rob you of the full experience of your life.