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.
Because USCIS tends to be quite delayed, you're allowed to submit the application up to 90 days before you've actually reached your five years (or fewer years, if you fall into an exception). There's no upper limit on how long you can wait to submit Form N-400.