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mortgage Brokers Click Here! Payments done after the due date. Accounts left unpaid and sold by the creditor to a collection company Negative points you get each youapply for a credit card Could be Chapter 13 or Chapter 7 with payment exemption ( not effective since 10-17-05 and subject to modifications) Accounts cancelled by Creditors When creditor takes possession of the property IRS debt. Ask your question! Payments made after the due date determined by Creditor Those accounts that were not payed on time and have been sold to a collection agency. Negative points you get every time you aply for a credit card. Chapter 13 with payment arrangements and Chapter 7 with payment exemption, no longer effective and in process of review since 10-17-05. Accounts cancelled by creditors. When creditor take possesion of unpaid goods. IRS debt. Payments done after the due date established by the Creditors Accounts left unpaid and sold to acollection agency Negative points you receive each time you apply for credit There are two types Chapter 13 with payments arranged and Chapter 7 (not effective since 10-05 Accounts cancelled by Creditors When the creditor recovers the possesion of an item e.g car, house, etc. IRS debt Haga Click para Espanol!