Three Major Section of the Ear : Anatomy of the Ear The external ear (or pinna, the part you can see) serves to protect the tympanic membrane (eardrum), collects and directs sound waves through the auditory canal to the eardrum. About 3 cm. long, the canal contains modified sweat glands that secrete cerumen, or earwax.
This will probably take place within three to six months after you default. The types of debts most likely to be sent to a collection agency are credit card and telephone service debts, followed by other utilities, car, government, and medical debts.
Transfer to a Collection Agency. Once the debt is 90 days overdue, the creditor will probably use an in-house affiliate or employ a debt collection agency to try to collect money from you. The debt collection agency becomes responsible for contacting you and trying to collect all or part of the money owed.