It's obvious, isn't it? You haven't paid your bills. However, we get so many questions about this, that we decided to post a whole page on the subject.
It's not a rule set in stone but, typically, credit card debts may be turned over to a collection agency after 180 days after the debt is owed. In the case of medical collections, some hospitals - especially for people who don't have any insurance - turn medical bills over for collections immediately.
A collection may only go on your credit report 180 days after the debt is owed, according to the Fair Credit Reporting Act.
Here are your rights regarding collectors/collections.
Here are some helpful hints about dealing with collection agencies and getting collections off your credit report.
