We’re perhaps perhaps perhaps not speaing frankly about auto loans or mortgages, that might be a case that is special. But a typical debt that is unsecured you’re perhaps not in a position to spend it. Therefore, what goes on? Well, you skip the payment that is first the first credit, the financial institution, will be sending that you page, they’ll call you, they’ll ask because of their cash. If after 2 or 3 months they’re not receiving anywhere with you, possibly three of four months, they are going to turn your debt over to a third party collection agency.