my unpaid loan

[AmericaninKT]

I tried to catch up with my missed loan payments and got a bit caught up on them but my big (40K HKD) loan from Public Finance is the one I can't get caught up with until next month. So far I've missed 2 monthly payments in a row. Oddly, I have not received too many phone calls from them but I got a "final reminder" letter in the mail. How soon before they turn me into a collection agency? I need to get this in order, admittedly, but slim chance o' that until early August. I would hope that 2 missed payments didn't just = collection agency. I live on Cheung Chau so I doubt that a collection agency will be ringing on my door.... at least not yet.

[jimbo]

Let them know the situation and you can make a payment in early August.