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The process of debt collection process is on the basis of the creditor, but usually, one can expect A note is received from the creditor stating that one is past due. This is done generally by the creditor’s in- house collection department.One’s creditor will move their account into a ‘charge off’ status – which usually takes place after no payment is made for 180 days. If the account is of a credit card, one will no longer be able to make use of their card. This negative demarcation will remain on one’s report for 7 ye ars.One will continue to receive phone calls and letters from the collector until they agree to pay their debt off.