how long do you have to wait before sending someone to collections
The notification must be sent to you within 30 days before or after reporting. A creditor may assign to collections at any time, though, the accepted norm is 180 days, with 90 days on others. Though you will want to speak to a supervisor at Verizon, know now the reps will give you static. Plus, you will have to hang up and wait for one to call you back. Most do not care, period.