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Thank you for your question. I am happy to assist you.
I cannot give you a specific amount of time as it depends on the creditor.
However, typically a credit card company will not rush to suit. The typical scenario is that they call or write when the payment is first late. About 60-90 days late and they may send it to a collection agency. Usually no suit will be filed for the first 12 months. Again, this is the typical situation I have encountered. In your situation the creditor may file sooner or later than is typical.
I hope that the information which I provided was helpful to you.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
Thank you, FLAandNYLAWYER
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