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.
The new law requires that credit bureaus wait an extra 180 days before adding medical debt to your credit report, either as an amount you owe or as a collection. This gives you an extra six months to receive bills, ensure they are correct, and figure out how to remove medical collections from your credit report.