[{"category":"telecom-mobile","collections_days":null,"collections_note":"Published: that a referred account incurs a third-party collection fee 'calculated at the maximum percentage permitted by applicable law, not to exceed 18 percent', and that 'Late payments, missed payments, or other defaults on your account may be reflected in your credit report.' Not published: any day count for referral to collections, any day count for credit reporting, and whether Verizon furnishes to the bureaus itself or the credit mark arrives via the collection agency. The former 90 and 30 were uncited.","collections_source_title":"Verizon: Customer Agreement","collections_source_url":"https://www.verizon.com/support/customer-agreement/","credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":0,"last_verified":"2026-09-22","late_fee":"$10 or 5% of the past-due balance, whichever is greater (varies by state)","late_fee_dollars":10,"name":"Verizon","reconnect_fee":20,"slug":"what-happens-if-i-dont-pay-verizon","source_title":"Verizon: Payment Arrangement FAQs","source_url":"https://www.verizon.com/support/promise-to-pay-faqs/","suspension_days":null,"termination_days":null,"timeline_note":"Verizon does not publish a day count for postpaid suspension. Its own wording is that a late or suspension notice means paying 'to avoid possible interruption of service', which is discretionary, not scheduled. The only Verizon-published day counts are New York-specific (25 days to notice, service may be turned off 8 days after notice) and do not generalise nationally.","verification_level":"official-page"},{"category":"telecom-mobile","collections_days":null,"collections_note":"Published in the Consumer Service Agreement: §1.9.1, \"If you are delinquent in any payment to us, you also authorize us to report any late payment or nonpayment to credit reporting agencies.\" That authorizes reporting; it does not say AT\u0026T does report, or after how long. §1.9.3: \"for each bill not paid in full by the payment due date, we may assess a late-payment charge\", with no amount in the agreement. Not published: any day count for collections referral or for credit reporting. The '30+ days' figure previously carried here traced back to this site's own AT\u0026T page, not to AT\u0026T. Prior value collections_days: 0 was also wrong under the null-vs-zero convention (0 means 'verified: none').","collections_source_title":"AT\u0026T: Consumer Service Agreement","collections_source_url":"https://www.att.com/legal/terms.consumerserviceagreement.html","credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":0,"last_verified":"2026-09-24","late_fee":"Up to $8 per bill cycle (consumer postpaid wireless, AT\u0026T Mobility Fee Schedule)","late_fee_dollars":8,"name":"AT\u0026T","reconnect_fee":35,"slug":"what-happens-if-i-dont-pay-att","source_title":"AT\u0026T: Mobility Fee Schedule","source_url":"https://www.att.com/legal/terms.otherWirelessFeeSchedule.html","suspension_days":null,"termination_days":null,"timeline_note":"AT\u0026T publishes no day count for suspending or terminating a consumer wireless line for nonpayment. Its Consumer Service Agreement (§1.5) lists \"any failure to make all required payments when due\" as Misconduct for which AT\u0026T may suspend or terminate service, and the wireless terms (§2.7) say AT\u0026T may suspend or cancel Wireless Service \"without advance notice for any reason\". Its late-fee support article says: \"Didn't pay your full account balance by the due date? We may charge a late fee and suspend your service until your balance is paid.\" The Mobility Fee Schedule, which \"is part of your AT\u0026T Consumer Services Agreement\", sets the Late Payment Fee (\"Charged if you don't pay your bill by the due date\", up to $8 per bill cycle) and the Restoral Fee (\"Charged if you restore service after it was suspended\", up to $35).","verification_level":"official-page"},{"category":"telecom-mobile","collections_days":null,"collections_note":"Published: 'Unpaid balances may be subject to collections activity', and that partial then full suspension may follow while an account is past due. Not published: any day count for collections referral, any credit-reporting threshold, and any statement that T-Mobile furnishes to the bureaus. T-Mobile's only published 30 is a payment-arrangement eligibility window ('Your account must be less than 30 days past the due date to initiate a Payment Arrangement'), which counts something else entirely and must not be reused as a credit threshold.","collections_source_title":"T-Mobile: Cancel Service","collections_source_url":"https://www.t-mobile.com/support/account/cancel-service","credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-22","late_fee":"Not verified. T-Mobile's site blocks automated checks like ours, and an earlier unconfirmed figure was withdrawn","late_fee_dollars":null,"name":"T-Mobile","needs_reverification":true,"reconnect_fee":20,"slug":"what-happens-if-i-dont-pay-t-mobile","source_title":"T-Mobile: Account Suspensions","source_url":"https://www.t-mobile.com/support/account/account-suspensions","suspension_days":null,"termination_days":null,"timeline_note":"T-Mobile publishes only 'Anytime your account is past due, your service may be partially suspended.' Its published day count (30 days) is the payment-arrangement eligibility window, not a suspension date.","verification_level":"official-page"},{"category":"telecom-mobile","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-21","late_fee":"Not verified (mintmobile.com blocked our re-check)","late_fee_dollars":null,"name":"Mint Mobile","needs_reverification":true,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-mint-mobile","source_title":"Mint Mobile: What if my payment fails or I forget to renew?","source_url":"https://www.mintmobile.com/help/what-if-my-payment-fails-or-i-forget-to-renew/","suspension_days":null,"termination_days":null,"timeline_note":"Prepaid: there is no past-due ladder. Mint states service is unusable until payment is made after a failed renewal, and that a reactivation fee 'may' be charged without publishing an amount.","verification_level":"official-page"},{"category":"telecom-mobile","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":0,"last_verified":"2026-09-24","late_fee":"Not stated (prepaid; service is suspended instead)","late_fee_dollars":null,"name":"Cricket Wireless","needs_reverification":false,"reconnect_fee":5,"reconnect_fee_note":"$5 single-line, $15 multi-line reactivation fee.","slug":"what-happens-if-i-dont-pay-cricket-wireless","source_title":"Cricket Wireless: Suspend \u0026 Restore Service","source_url":"https://www.cricketwireless.com/support/billing-and-payments/suspend-and-restore-service","suspension_days":0,"termination_days":60,"timeline_note":"Cricket is prepaid and suspends on the due date: \"If you miss your due date, your account will be suspended immediately\", so suspension_days is a verified 0. Its Charges and Fees page gives the cancellation day, counted from the due date: \"The Reactivation Fee applies to suspended accounts that are reactivated within 59 days after the due date. On the 60th day, the account will be canceled and can't be reactivated.\" The Terms and Conditions (§1.9.3) agree: an account deactivated for nonpayment \"will be placed in suspend mode for 60 days\" and is canceled if not reactivated before that period ends, after which Cricket will \"re-assign the phone number\". The Suspend \u0026 Restore page words it differently (\"Pay within 60 days of your last pay date to keep your number\"); termination_days follows the two sources that name the due date.","verification_level":"official-page"},{"category":"telecom-mobile","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not stated in the General Terms \u0026 Conditions","late_fee_dollars":null,"name":"Boost Mobile","needs_reverification":false,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-boost-mobile","source_title":"Boost Mobile: General Terms \u0026 Conditions","source_url":"https://help.boostmobile.com/docs/general-terms-conditions","suspension_days":null,"termination_days":120,"timeline_note":"120 days is prepaid (Pay Now) only: outstanding charges must be paid within 120 days of suspension or the account is cancelled and the number lost. Boost publishes no suspension day count. Prepaid service can be suspended immediately, and the 10-day figure applies only to Buy Now, Pay Later accounts.","verification_level":"official-page"},{"category":"internet-cable","collections_days":null,"collections_note":"Published: the Residential Services Agreement says only \"We may use a collection agency or attorney to collect money you owe. If we do so, you agree to pay our reasonable costs of collection, including any collection agency fees, reasonable attorneys' fees, and arbitration or court costs.\" Not published on any Xfinity policy page: whether Xfinity or a collection agency reports to the credit bureaus, when an account is referred to collections, or how soon a paid collection is updated on a credit report. Those statements, carried in this note until 2026-09-24, appear only in Xfinity staff posts on forums.xfinity.com, which are not a policy source; the Late Payments article (xfinity.com/support/articles/late-payments) covers late-payment notices, late fees and reactivation and says nothing about credit or collections. The 90 formerly in collections_days had no Xfinity policy source.","collections_source_title":"Xfinity: Residential Services Agreement","collections_source_url":"https://www.xfinity.com/corporate/customers/policies/subscriberagreement","credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not published. Xfinity says you \"may also be charged a late fee on your next bill\" but gives no amount","late_fee_dollars":null,"name":"Comcast Xfinity","needs_reverification":false,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-xfinity","source_title":"Xfinity: Residential Services Agreement","source_url":"https://www.xfinity.com/corporate/customers/policies/subscriberagreement","suspension_days":null,"termination_days":null,"timeline_note":"Xfinity publishes no day count for interrupting or disconnecting service. Its Residential Services Agreement says that if you fail to pay the full amount due, Xfinity \"may suspend or disconnect any or all of the Services ... in our sole discretion and subject to applicable law\". Its fees article says the late fee \"is charged if you miss your due date and do not pay your full balance by the end of the next bill cycle\", with no amount. The 48–72 hours on its Late Payments article is how long restoring service takes after you pay.","verification_level":"official-page"},{"category":"internet-cable","collections_days":null,"collections_note":"Published: that missing the due date 'may result in suspension or disconnection of all Services' at 'Spectrum's sole discretion and in accordance with applicable law', preceded by 'reasonable efforts' to give notice by mail, phone, text, email or browser message. Not published: any day count for suspension, disconnection, collections referral or credit reporting, and any statement about credit bureaus at all. The 'reports via collections' route previously published here was this site's own prose, not Spectrum's.","collections_source_title":"Spectrum: Residential General Terms and Conditions of Service","collections_source_url":"https://www.spectrum.com/policies/residential-general-terms-and-conditions-of-service","credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-22","late_fee":"Typically $8.95 (varies by market; range $4.75-$10 across states)","late_fee_dollars":8.95,"name":"Spectrum","reconnect_fee":0,"slug":"what-happens-if-i-dont-pay-spectrum","source_title":"Spectrum: Residential General Terms and Conditions of Service","source_url":"https://www.spectrum.com/policies/residential-general-terms-and-conditions-of-service","suspension_days":null,"termination_days":null,"timeline_note":"Spectrum publishes no day counts at all for non-payment. Suspension and disconnection occur at 'Spectrum's sole discretion and in accordance with applicable law', preceded by unspecified 'reasonable efforts' to contact the customer.","verification_level":"official-page"},{"category":"internet-cable","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not currently verifiable. Cox is migrating to Spectrum; published Cox fee pages now redirect","late_fee_dollars":null,"name":"Cox Communications","needs_reverification":true,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-cox","source_title":"Cox: Customer Service Agreement (late fees stated as applicable, amount subject to state law)","source_url":"https://www.cox.com/aboutus/policies/customer-service-agreement.html","suspension_days":null,"termination_days":null,"verification_level":"unverified"},{"category":"internet-cable","collections_days":null,"collections_note":"DISH's current Residential Customer Agreement (Exhibit 1) states the Late Payment Fee as $12.00 ($10.00 in VA/ME/AZ), lower than the $15.00/$10.00 on DISH's fee-schedule support page. We publish the fee-schedule figure as the operative one and flag the discrepancy on the page.","credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-22","late_fee":"$15.00 ($10.00 in VA, ME and AZ)","late_fee_dollars":15,"name":"DISH Network","needs_reverification":true,"reconnect_fee":null,"reconnect_fee_note":"DISH's fee schedule and Residential Customer Agreement do not publish a reconnection/restart-fee amount.","slug":"what-happens-if-i-dont-pay-dish-network","source_title":"DISH: Fees","source_url":"https://support.dish.com/billing/fees","suspension_days":null,"termination_days":null,"verification_level":"official-page"},{"category":"internet-cable","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Up to $12.00 per payment (Satellite); DIRECTV's Fee Schedule does not publish a day-count grace period","late_fee_dollars":12,"name":"DirecTV","needs_reverification":true,"reconnect_fee":20,"slug":"what-happens-if-i-dont-pay-directv","source_title":"DIRECTV: Fee Schedule (Legal Policy Center)","source_url":"https://www.directv.com/legal/directv-fee-schedule/","suspension_days":null,"termination_days":null,"timeline_note":"DirecTV's Residential Customer Agreement moved to a client-side-rendered Legal Policy Center page; a headless-browser fetch (2026-09-24) rendered the actual Fee Schedule (effective 6/25/2026) and confirmed the Late Payment Fee (up to $12.00/payment, Satellite) and Restoral/reconnection fee (up to $20). Suspension and termination day-counts for Satellite customers are still not published anywhere on DirecTV's site and remain null; the previous 45/75/90-day figures were not re-confirmed and stay withdrawn.","verification_level":"official-page"},{"category":"internet-cable","collections_days":null,"collections_note":"Published: that Frontier 'or its agents may report information about your Service account, including unpaid balances, to credit bureaus', that a late or delinquent customer authorises Frontier 'to report any late payment or nonpayment to consumer credit reporting agencies', and that Frontier may 'utilize a collection agency or resort to legal action' with the customer reimbursing collection expenses and reasonable attorneys' fees. Not published: when any of it happens. The terms state that these actions may occur, never after how many days.","collections_source_title":"Frontier: General Terms and Conditions, Residential (May 2025)","collections_source_url":"https://frontier.com/documents/corporate/terms/general-terms-residential-may-2025.pdf","credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"1.5% per month, or the highest rate allowed by law (no flat dollar amount published)","late_fee_dollars":null,"name":"Frontier Communications","needs_reverification":false,"reconnect_fee":null,"reconnect_fee_note":"Published: \"If your Service is terminated for any reason, you may be required to pay a reconnection fee before Services is reactivated\" and \"We may also charge you a reactivation fee or decline to reinstate Service if Service is suspended or terminated.\" Not published: any dollar amount. Corrected from a prior 0, which stood in for unknown, which the null-vs-zero convention forbids.","slug":"what-happens-if-i-dont-pay-frontier","source_title":"Frontier: General Terms and Conditions, Residential (May 2025)","source_url":"https://frontier.com/documents/corporate/terms/general-terms-residential-may-2025.pdf","suspension_days":null,"termination_days":null,"timeline_note":"Frontier publishes neither a suspension day count nor an advance-notice period. Its terms say only that service 'may be suspended or terminated' after a missed due date.","verification_level":"official-page"},{"category":"internet-cable","collections_days":null,"collections_note":"Published: that Optimum may 'furnish information about you …, your account(s) and your payment history to those credit reporting agencies', and that 'in the event collection activities are required, an additional collection charge may be imposed.' Optimum's billing support pages also state day counts far shorter than anything previously published here. For TV customers, it says 'payments not received within 15 days of the due date may be sent to collections', and that for non-TV customers payments not received within 2 days of the due date are assessed a late fee and 'sent to collections within 13 days of that date'. Those figures did not clear adversarial review this pass and are NOT published; they are flagged for a targeted re-check. Not published: any credit-reporting threshold.","collections_source_title":"Optimum: Residential Terms of Service","collections_source_url":"https://www.optimum.com/terms-of-service/residential","credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-22","late_fee":"$10.00 (per Optimum's Other Service Charges fee schedule)","late_fee_dollars":10,"name":"Optimum","needs_reverification":false,"reconnect_fee":4.99,"reconnect_fee_note":"$4.99 restore fee per product, per Optimum's Other Service Charges schedule. No separate $30 reconnection or $79.95 re-installation figure is published.","slug":"what-happens-if-i-dont-pay-optimum","source_title":"Optimum: Other Service Charges","source_url":"https://www.optimum.net/cdn/static.tvlistings.optimum.net/ool/static/prod/documents/Other-Service-Charges.pdf","suspension_days":null,"termination_days":null,"timeline_note":"Optimum publishes no disconnection day count or notice period. Its general terms reserve disconnection 'at any time, without prior notice, for any reason whatsoever or for no reason.' Billing-support pages describing 2/13/15/30-day figures did not clear adversarial review and are not published here.","verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not stated in the Terms of Use","late_fee_dollars":null,"name":"Netflix","needs_reverification":false,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-netflix","source_title":"Netflix: Terms of Use","source_url":"https://help.netflix.com/legal/termsofuse","suspension_days":null,"termination_days":null,"verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-05-14","late_fee":"Not verified. The Subscriber Agreement blocks automated checks like ours","late_fee_dollars":null,"name":"Hulu","needs_reverification":true,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-hulu","source_title":"Hulu: Disney+, ESPN, and Hulu Subscriber Agreement","source_url":"https://www.hulu.com/subscriber_agreement","suspension_days":null,"termination_days":null,"verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-05-14","late_fee":"Not verified. The Subscriber Agreement blocks automated checks like ours","late_fee_dollars":null,"name":"Disney+","needs_reverification":true,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-disney-plus","source_title":"Disney+: Why is Disney+ not taking my payment?","source_url":"https://help.disneyplus.com/article/disneyplus-payment-not-processed","suspension_days":null,"termination_days":null,"verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not specified","late_fee_dollars":null,"name":"YouTube TV","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-youtube-tv","source_title":"YouTube TV: Troubleshoot membership billing or access issues","source_url":"https://support.google.com/youtubetv/answer/10208367","suspension_days":1,"termination_days":null,"verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not stated in the Prime Terms \u0026 Conditions","late_fee_dollars":null,"name":"Amazon Prime Video","needs_reverification":false,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-amazon-prime","source_title":"Amazon Prime: Terms \u0026 Conditions","source_url":"https://www.amazon.com/gp/help/customer/display.html?nodeId=G2B9L3YR7LR8J4XP","suspension_days":null,"termination_days":null,"verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not stated in the Apple Media Services Terms","late_fee_dollars":null,"name":"Apple TV+","needs_reverification":false,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-apple-tv-plus","source_title":"Apple Media Services Terms and Conditions","source_url":"https://www.apple.com/legal/internet-services/itunes/us/terms.html","suspension_days":null,"termination_days":null,"verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not specified","late_fee_dollars":null,"name":"Max","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-max","source_title":"Max Terms of Use","source_url":"https://www.hbomax.com/terms-of-use/en-us","suspension_days":null,"termination_days":null,"verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not stated in the Terms of Service","late_fee_dollars":null,"name":"Peacock","needs_reverification":false,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-peacock","source_title":"Peacock: Terms of Service","source_url":"https://www.peacocktv.com/terms","suspension_days":null,"termination_days":null,"verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not stated in the Terms of Use","late_fee_dollars":null,"name":"Paramount+","needs_reverification":false,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-paramount-plus","source_title":"Paramount+: Terms of Use (US)","source_url":"https://legal.paramount.com/us/en/pplus/termsofuse","suspension_days":null,"termination_days":null,"verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not stated. Spotify's failed-payment help and its terms mention no late fee","late_fee_dollars":null,"name":"Spotify","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-spotify","source_title":"Spotify: Failed payment help","source_url":"https://support.spotify.com/us/article/failed-payment/","suspension_days":null,"termination_days":null,"verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not stated in the Apple Media Services Terms","late_fee_dollars":null,"name":"Apple Music","needs_reverification":false,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-apple-music","source_title":"Apple Media Services Terms and Conditions","source_url":"https://www.apple.com/legal/internet-services/itunes/us/terms.html","suspension_days":null,"termination_days":null,"verification_level":"official-page"},{"category":"utilities","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Varies by utility and state tariff; no national figure is published","late_fee_dollars":null,"name":"Electric Utility","needs_reverification":false,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-electric-utilities","source_title":"16 Tex. Admin. Code § 25.29: Disconnection of Service (an example state rule)","source_url":"https://ftp.puc.texas.gov/public/puct-info/agency/rulesnlaws/subrules/electric/25.29/25.29.pdf","suspension_days":null,"termination_days":null,"timeline_note":"No national timeline exists. State minimum notice, each cited on the page to the state rule or regulator: TX 10 days, OH 14 (10 more from Nov 1 to Apr 15), NY 15 after a Final Termination Notice, GA 5 (disconnection once a bill is unpaid 45 days from the statement date), CA 15 plus a 48-hour second notice, PA 10, IN 14, and MN 10 working days mailed or 7 served during the Oct 1 to Apr 30 cold weather period. Texas rules say disconnection 'is an option allowed by the commission, not a requirement placed upon the utility by the commission.' Per-state figures belong on the page, not in this national row.","verification_level":"official-page"},{"category":"utilities","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Varies by utility and state tariff; no national figure is published","late_fee_dollars":null,"name":"Natural Gas Utility","needs_reverification":false,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-gas-utilities","source_title":"Ohio Adm. Code 4901:1-18-06: Disconnection procedures for electric, gas, and natural gas utilities (an example state rule)","source_url":"https://codes.ohio.gov/ohio-administrative-code/rule-4901:1-18-06","suspension_days":null,"termination_days":null,"timeline_note":"No national timeline exists. State minimum written notice before gas disconnection, each cited on the page to the state rule or regulator: GA 15 days (disconnection once a bill is unpaid 45 days from the statement date), OH 14 (10 more from Nov 1 to Apr 15), PA 10 (notice effective up to 60 days), CA 15 plus a 48-hour second notice, NY 15 after a Final Termination Notice, IN 14, and MN 10 working days mailed or 7 served during the Oct 1 to Apr 30 cold weather period. Reconnection fees are set in each utility's tariff; no regulator publishes a national figure.","verification_level":"official-page"},{"category":"utilities","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":30,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Varies by municipal provider and local ordinance","late_fee_dollars":null,"name":"Water Utility","needs_reverification":false,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-water-utilities","source_title":"Public Utility Commission of Texas: Water Disconnection Rules","source_url":"https://www.puc.texas.gov/consumer-help/water/disconnection/","suspension_days":null,"termination_days":null,"timeline_note":"No national timeline exists. State minimum notice, each cited on the page to the state rule or regulator: IN 7 days, CA 7 business days (and no shutoff until a payment is at least 60 days late, under SB 998 as expanded by SB 3), WA 8 business days, TX 10, OH 14 (10 when a landlord pays the bill), ME 14 residential / 7 non-residential. California's 60-day floor is CA-only and is not a national figure.","verification_level":"official-page"},{"category":"housing","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Set by the lease and capped by state/local law; varies widely","late_fee_dollars":null,"name":"Rent","needs_reverification":false,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-rent","source_title":"Revised Code of Washington 59.18.057 (14-day pay-or-vacate notice); see also California Courts Self-Help Guide (3-day notice) and HUD's Public Housing Occupancy Guidebook (14-day notice) cited on the Rent page","source_url":"https://app.leg.wa.gov/rcw/default.aspx?cite=59.18.057","suspension_days":null,"termination_days":null,"verification_level":"official-page"},{"category":"bnpl","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"None","late_fee_dollars":0,"name":"Affirm","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-affirm","source_title":"Affirm: Terms of Service","source_url":"https://www.affirm.com/terms","suspension_days":null,"termination_days":null,"timeline_note":"Affirm's Terms of Service: 'Late Payment Fee: You will never be charged any late fees when you buy with Affirm.' The same terms say Affirm and its bank partners 'may report information about your loan ... (such as on-time, late, and missed payments ...)' to consumer reporting agencies, with no day count. Affirm's help-center articles on late payments and credit reporting would not render for an automated reader, so no grace, suspension or collections timeline is recorded.","verification_level":"official-page"},{"category":"bnpl","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":10,"last_verified":"2026-09-24","late_fee":"Up to $8 per late installment, never more than 25% of the order value in total (none for Rhode Island residents)","late_fee_dollars":8,"name":"Afterpay","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-afterpay","source_title":"Afterpay: Installment Agreement (USA)","source_url":"https://www.afterpay.com/en-US/installment-agreement","suspension_days":null,"termination_days":null,"timeline_note":"The late fee applies only if an installment 'is not paid on or prior to the due date ... and remains unpaid for a period of ten (10) days after the due date'. On a missed payment Afterpay 'reserve[s] the right to limit, restrict, suspend or terminate your access to your Afterpay account' and may appoint third-party collection agencies; neither has a published day count.","verification_level":"official-page"},{"category":"bnpl","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Up to $7 per missed Pay in 4 payment; total late fees never exceed 25% of the order value","late_fee_dollars":7,"name":"Klarna","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-klarna","source_title":"Klarna: Pay in 4 (US)","source_url":"https://www.klarna.com/us/payments/pay-in-4/","suspension_days":null,"termination_days":null,"timeline_note":"Klarna's Pay in 4 page: if a payment fails Klarna emails you and tries once more; 'If we can't collect it a second time, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value.' The Pay in 4 agreement itself is on cdn.klarna.com, which robots.txt closes to automated readers, so any day count it sets was not read. Financing (pay over time) late fees are separate and not recorded here.","verification_level":"official-page"},{"category":"bnpl","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":0,"last_verified":"2026-09-24","late_fee":"$7 per missed scheduled payment, or less where the state disclosure sets a lower amount","late_fee_dollars":7,"name":"Zip","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-zip","source_title":"Zip: Loan Terms of Service (US)","source_url":"https://zip.co/us/loan-terms-of-service","suspension_days":null,"termination_days":null,"timeline_note":"Zip's loan terms: 'If we do not receive a scheduled payment in full by its Payment Due Date, then we may charge you a late fee equal to (i) $7.00 or (ii) the amount set forth in the Disclosure based on your state of residence, if less than $7.00.' A failed autopay may be retried 'on your next scheduled payment date'. Zip 'may close, suspend, restrict, or limit your account ... at any time', with no day count.","verification_level":"official-page"},{"category":"bnpl","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"None","late_fee_dollars":0,"name":"PayPal Pay Later","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-paypal-pay-later","source_title":"PayPal: What is Pay in 4?","source_url":"https://www.paypal.com/us/cshelp/article/what-is-pay-in-4-help463","suspension_days":null,"termination_days":null,"timeline_note":"Pay in 4: 'PayPal does not charge any sign-up, application, late, or non-sufficient funds (NSF) fees when you pay for your purchase with Pay in 4.' Pay Monthly: PayPal's Schedule of Rates and Fees (as of January 1, 2025, https://www.paypalobjects.com/marketing/web26/us/license/us_paypal_pay_monthly_schedule_of_charges.pdf) lists 'Late fee N/A'. Neither page publishes a suspension, collections or credit-reporting timeline.","verification_level":"official-page"},{"category":"credit","collections_days":null,"credit_reporting":"direct","credit_threshold_days":null,"grace_period_days":0,"last_verified":"2026-09-24","late_fee":"Up to $40 ($29 for a late payment; $40 if another is late within the next 6 billing periods)","late_fee_dollars":40,"name":"American Express","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-american-express-credit-card","source_title":"American Express: Amex EveryDay Cardmember Agreement (June 30, 2026)","source_url":"https://www.americanexpress.com/content/dam/amex/en-us/company/legal/cardmember-agreements/public-site-2026-q2-pdf-cmas/cps-lending/amex-everyday-06-30-2026.pdf","suspension_days":null,"termination_days":null,"timeline_note":"Cardmember agreement: 'If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40.' and 'You agree that we will give information about the Account to credit reporting agencies.' The agreement publishes no day count for restricting, closing or charging off the account, or for when a late payment is reported.","verification_level":"official-page"},{"category":"credit","collections_days":null,"credit_reporting":"direct","credit_threshold_days":null,"grace_period_days":0,"last_verified":"2026-09-24","late_fee":"Up to $41 (no late fee if the balance is $100 or less on the payment due date)","late_fee_dollars":41,"name":"Bank of America","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-bank-of-america-credit-card","source_title":"Bank of America: Customized Cash Rewards Credit Card Agreement (sample)","source_url":"https://www.bankofamerica.com/content/documents/creditcard/bank_of_america_customized_cash_rewards_english.pdf","suspension_days":null,"termination_days":null,"timeline_note":"Sample agreement pricing table: 'Late Payment  Up to $41'. 'A Late Fee ... will be assessed if the Total Minimum Payment Due ... is not received by us on or before its Payment Due Date ... If your balance is $100 or less on the Payment Due Date, we will not assess a Late Fee.' 'We report account information to Consumer Reporting Agencies.' No day count is published for restricting, closing or charging off the account, or for when a late payment is reported.","verification_level":"official-page"},{"category":"credit","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":0,"last_verified":"2026-09-24","late_fee":"Up to $40 (per the Consumer Card Agreement filed in the CFPB credit card agreement database)","late_fee_dollars":40,"name":"Capital One","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-capital-one-credit-card","source_title":"Capital One: Handling late credit card payments","source_url":"https://www.capitalone.com/help-center/credit-cards/late-payment-support/","suspension_days":null,"termination_days":null,"timeline_note":"Capital One's help center: 'Late fees occur if your online, phone, or mailed payment is not received by your due date.' The amount comes from the Consumer Card Agreement in the CFPB's credit card agreement database (files.consumerfinance.gov), which says 'Late Payment Up to $40.' Capital One's own copies on ecm.capitalone.com are closed to us by robots.txt. 'In general, late payments are reported every 30 days' is not a day count for first reporting, so credit_threshold_days stays null.","verification_level":"official-page"},{"category":"credit","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":0,"last_verified":"2026-09-24","late_fee":"Up to $40 (a first late payment is capped at $29; up to $40 if another is late within six billing periods)","late_fee_dollars":40,"name":"Chase","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-chase-credit-card","source_title":"Chase: Sample Visa Cardmember Agreement","source_url":"https://www.chase.com/content/dam/chase-ux/feed/cmaonline/Chase/COL00095.pdf","suspension_days":null,"termination_days":null,"timeline_note":"Sample cardmember agreement: 'Late Payment  Up to $40.' 'A single violation of each type will not exceed $29. However, if another violation of the same type occurs within six monthly billing periods we will charge up to the maximum fee.' 'If any payment is late, we may charge you a late fee.' On credit reporting the agreement says only that Chase 'may also provide information about you and your account to credit reporting agencies', so credit_reporting stays unverified. No day count is published for restricting, closing or charging off the account.","verification_level":"official-page"},{"category":"credit","collections_days":null,"credit_reporting":"direct","credit_threshold_days":null,"grace_period_days":0,"last_verified":"2026-09-24","late_fee":"Up to $41 ($30 for a late payment; $41 if another is late within the next 6 billing periods)","late_fee_dollars":41,"name":"Citi","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-citi-credit-card","source_title":"Citi: Citi Double Cash Card Agreement","source_url":"https://www.citi.com/CRD/PDF/CMA/cardAgreement/CMA_DoubleCashADA-3.pdf","suspension_days":null,"termination_days":null,"timeline_note":"Card agreement: 'We have the right to charge you a late fee if you don't pay at least an amount equal to the Minimum Payment Due ... by the payment due date. The late fee is $30 and, if you make another Late Payment within the next 6 Billing Periods the late fee will be $41.' 'We report Account information in your name ... to Consumer Reporting Agencies, on a monthly basis.' No day count is published for restricting, closing or charging off the account.","verification_level":"official-page"},{"category":"credit","collections_days":null,"credit_reporting":"direct","credit_threshold_days":null,"grace_period_days":0,"last_verified":"2026-09-24","late_fee":"None the first time you pay late; after that, up to $41","late_fee_dollars":41,"name":"Discover","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-discover-credit-card","source_title":"Discover: Cardmember Agreement (terms as of 06/30/26)","source_url":"https://www.discover.com/content/dam/discover/en_us/credit-cards/card-portfolio/docs/cma/Prime_Cardmember_Agreement_Updates_063026.pdf","suspension_days":null,"termination_days":null,"timeline_note":"Cardmember agreement pricing: 'Late Fee  None the first time you pay late. After that, up to $41.' 'If you do not pay the Minimum Payment Due by the Payment Due Date, we may charge you a Late Fee.' 'We normally report to credit reporting agencies each month.' No day count is published for restricting, closing or charging off the account.","verification_level":"official-page"},{"category":"internet-cable","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not stated in the Internet Subscriber Agreement","late_fee_dollars":null,"name":"CenturyLink (Quantum Fiber)","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-centurylink","source_title":"Quantum Fiber from AT\u0026T: Internet Subscriber Agreement (V.02.02.2026)","source_url":"https://www.quantumfiber.com/on/demandware.static/Sites-QFCC-Site/Sites-QFCC-Library/-/legal/internet-subscriber-agreement.pdf","suspension_days":3,"termination_days":null,"timeline_note":"Subscriber agreement: 'If your payment method is declined, your Service will be suspended after 3 days. Once you update your payment method with us, we will reactivate your Service.' The agreement states no late fee, no disconnection day count, no reconnection fee and no collections timeline; it says only that you reimburse collection costs 'If we use a collection agency'.","verification_level":"official-page"},{"category":"internet-cable","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Late payment fee accrues if payment is not received within 3 days of the billing cycle","late_fee_dollars":null,"name":"EarthLink","reconnect_fee":null,"reconnect_fee_note":"Fiber/Internet: 'Once your balance and Reactivation Fee are paid services will be restored within 24 hours.' 5G Home Internet: 'There is no Reactivation Fee required.' No amount is published for the Fiber/Internet reactivation fee.","slug":"what-happens-if-i-dont-pay-earthlink","source_title":"EarthLink: Billing FAQs","source_url":"https://help.earthlink.net/portal/en/kb/articles/earthlink-billing-faq","suspension_days":null,"termination_days":null,"timeline_note":"EarthLink's Billing FAQ: 'Late Payment Fee is accrued when we have not received payment within 3 Days of your Billing Cycle.' It gives no dollar amount and no suspension, disconnection or collections day count. The '3 days' is measured from the billing cycle, not the due date, so grace_period_days stays null.","verification_level":"official-page"},{"category":"internet-cable","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Late fees may be charged","late_fee_dollars":null,"name":"Mediacom","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-mediacom","source_title":"Mediacom: Residential Customer and User Agreement","source_url":"https://mediacomcable.com/legal/residential-customer-and-user-agreement","suspension_days":null,"termination_days":null,"timeline_note":"Agreement §9.3: 'If you do not pay on time, we may charge late fees, suspend your Service, and send your account to a collection agency.' §10.3: 'If you fail to pay on time, we reserve the right to suspend, limit or terminate your Service(s).' No amount or day count is published for any of these steps.","verification_level":"official-page"},{"category":"internet-cable","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not stated in the Terms of Service","late_fee_dollars":null,"name":"Starlink","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-starlink","source_title":"Starlink: Terms of Service (United States and territories)","source_url":"https://starlink.com/legal/documents/DOC-1020-91087-64","suspension_days":0,"termination_days":null,"timeline_note":"Terms of Service: 'if you simply fail to pay for Services on time, you must pay the amounts due or your Services will be suspended until the overdue amounts are paid.' Starlink may terminate for 'your failure to pay any fees owed for Services if you have not cured such non-payment within 24 days from the date of your invoice'. That 24 days runs from the invoice date, not the due date, so termination_days stays null. The terms list no late fee and no reconnection fee. Customers on a 12- or 24-month Service Commitment are different: 'The Change Fee will also be applied if, during the Commitment Period, you fail to pay any fee for Services by the due date specified on the invoice', and that fee is 'a $249 or $325, as applicable, change fee'. late_fee_dollars stays null because the Change Fee applies only to commitment plans and the terms do not say which amount applies to which.","verification_level":"official-page"},{"category":"internet-cable","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Late fee applies to delinquent accounts; amount 'can be provided upon request'","late_fee_dollars":null,"name":"WOW!","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-wow-broadband","source_title":"WOW!: Internet Terms of Service","source_url":"https://www.wowway.com/docs/wow/documents-terms-and-conditions/internet-terms.pdf","suspension_days":null,"termination_days":null,"timeline_note":"Internet Terms of Service: 'Accounts with a delinquent balance will be assessed a late fee.' and 'The current late fee can be provided upon request.' WOW! 'may ... interrupt, suspend or disconnect' delinquent service, with no day count. The Cable Terms and Conditions set a monthly late fee on accounts unpaid 'AFTER THIRTY (30) DAYS FROM THE BILLING DATE', but that document covers cable TV, not internet.","verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not stated in the Terms of Service","late_fee_dollars":null,"name":"Fubo","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-fubo-tv","source_title":"Fubo: Terms of Service (effective September 10, 2025)","source_url":"https://legal.fubo.tv/policies/en-US/?name=terms-of-service","suspension_days":null,"termination_days":null,"timeline_note":"Terms of Service: Fubo 'may also suspend, disconnect, limit or terminate Your access ... with or without notice ... (including ... non-payment of Fees ...)', and 'If Your Account is disconnected for non-payment ... Fubo may require that You pay ... any amount due ... before Fubo reconnects Your access'. The terms state no late fee, no reconnection fee and no day count.","verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Sling may apply interest and late fees on amounts paid after the due date","late_fee_dollars":null,"name":"Sling TV","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-sling-tv","source_title":"Sling TV: Terms of Use","source_url":"https://www.sling.com/offer-details/disclaimers/terms-of-use","suspension_days":null,"termination_days":null,"timeline_note":"Terms of Use §5: 'We may apply interest and late fees for any amounts paid following the date when due'. 'If you do not make timely payment for your Services, we may disconnect, suspend, limit, or terminate your access', and Sling may require the full past-due balance before reconnecting. No amount or day count is published.","verification_level":"official-page"},{"category":"streaming","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not verified","late_fee_dollars":null,"name":"TIDAL","needs_reverification":true,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-tidal","source_title":"TIDAL: Terms and Conditions of Use","source_url":"https://tidal.com/terms","suspension_days":null,"termination_days":null,"timeline_note":"tidal.com/terms and support.tidal.com both returned HTTP 403 to an automated reader on 2026-09-24, so no figure could be checked against TIDAL's own terms.","verification_level":"unverified"},{"category":"telecom-mobile","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Late payment fees may be assessed","late_fee_dollars":null,"name":"Google Fi","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-google-fi","source_title":"Google Fi: Terms of Service","source_url":"https://fi.google.com/about/tos","suspension_days":3,"termination_days":63,"timeline_note":"Help center, 'Fix a declined payment': 'you'll need to make a payment within 3 days of the failed payment', after which service is placed on hold (suspension_days 3); 'If you're unable to pay the amount due within 60 days after your service is placed on hold, your account will be terminated and your number deactivated' (termination_days 63 = 3 + 60, counted from the declined payment). Terms of Service: late payment fees 'may' be assessed, with no amount published. Device plans: 'No late charges will be assessed under these Plan Terms.'","verification_level":"official-page"},{"category":"telecom-mobile","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not verified","late_fee_dollars":null,"name":"US Cellular","needs_reverification":true,"reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-us-cellular","source_title":"T-Mobile US, Inc.: Form 10-Q for the quarter ended June 30, 2026 (SEC EDGAR)","source_url":"https://www.sec.gov/Archives/edgar/data/1283699/000128369926000101/tmus-20260630.htm","suspension_days":null,"termination_days":null,"timeline_note":"T-Mobile completed its acquisition of UScellular's wireless business on August 1, 2025; per T-Mobile's Q2 2026 10-Q, 'the UScellular Wireless Business became wholly owned by T-Mobile', and its merger costs include work to 'migrate customers to the T-Mobile network and billing systems', with restructuring and integration expected to run through fiscal 2027. Neither company's customer terms could be read: on 2026-09-24 uscellular.com's robots.txt redirected to t-mobile.com, whose robots.txt returns HTTP 403, which this site treats as a disallow. So which agreement governs a given UScellular account, and every fee and timeline figure, is unverified and null.","verification_level":"unverified"},{"category":"telecom-mobile","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":0,"last_verified":"2026-09-24","late_fee":"Not stated (prepaid; service is suspended instead)","late_fee_dollars":null,"name":"Visible","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-visible","source_title":"Visible: Service Terms \u0026 Conditions","source_url":"https://www.visible.com/legal/terms-and-conditions","suspension_days":0,"termination_days":60,"timeline_note":"Terms \u0026 Conditions: 'For most accounts, the availability of Service depends on your payment in advance ... If you fail to make payment when due, your Service will be suspended and/or canceled.' 'If your account is deactivated for non-payment, it will be suspended for 60 days. If payment is not made within the 60 day period, it will be canceled.' Accounts with a financed device or home internet can pay after the next cycle starts, 'generally ... seven days or such other timeframe stated on your bill'. No late fee or reconnection fee is listed.","verification_level":"official-page"},{"category":"insurance","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Varies by state and policy","late_fee_dollars":null,"name":"Allstate Auto Insurance","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-allstate-auto","source_title":"Allstate: Billing \u0026 Payments FAQs","source_url":"https://www.allstate.com/help-support/billing-payments/faqs","suspension_days":null,"termination_days":null,"timeline_note":"Allstate's billing FAQ says only: 'A missed or late payment can result in a lapse in coverage, or the cancellation or termination of your policy.' The grace period, cancellation notice and any late fee are set by state law and the policy contract, which Allstate does not publish as a general document.","verification_level":"official-page"},{"category":"insurance","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Additional fees apply when a payment is late","late_fee_dollars":null,"name":"Farmers Auto Insurance","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-farmers-auto","source_title":"Farmers: Billing \u0026 Payment FAQ","source_url":"https://www.farmers.com/faq/billing/","suspension_days":null,"termination_days":null,"timeline_note":"Farmers' billing FAQ: 'There will be additional fees if your payment is late or returned by your bank.' No amount, grace period or cancellation timeline is published; those are set by state law and the policy contract.","verification_level":"official-page"},{"category":"insurance","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Varies by state and policy","late_fee_dollars":null,"name":"GEICO Auto Insurance","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-geico-auto","source_title":"GEICO: Is There a Grace Period for Car Insurance?","source_url":"https://www.geico.com/living/car-insurance-grace-period/","suspension_days":null,"termination_days":null,"timeline_note":"GEICO's explainer gives no GEICO-specific grace period: 'GEICO typically provides a window to submit late payments', and industry-wide grace periods range 'anywhere from a few days to about a month'. It cites California's 10-day minimum as an example of a state rule.","verification_level":"official-page"},{"category":"insurance","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Varies by state and policy","late_fee_dollars":null,"name":"Progressive Auto Insurance","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-progressive-auto","source_title":"Progressive: Car Insurance Lapse \u0026 Grace Periods Explained","source_url":"https://www.progressive.com/answers/car-insurance-lapse/","suspension_days":null,"termination_days":null,"timeline_note":"Progressive's explainer: 'Your car insurance policy won't be cancelled immediately because you miss a payment. Auto insurance companies are required by state law to provide notice before cancelling your policy. Depending on the state, you'll usually have between 10 and 20 days.' That notice period is state-set, not a Progressive figure, so it is not recorded as a day count.","verification_level":"official-page"},{"category":"insurance","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"A late payment fee is applied when payment is not received by the bill due date","late_fee_dollars":null,"name":"State Farm Auto Insurance","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-state-farm-auto","source_title":"State Farm: Why does my bill include a fee?","source_url":"https://www.statefarm.com/help-center/account-management/billing-payments/billing/fee-inclusion-sf","suspension_days":null,"termination_days":null,"timeline_note":"State Farm help center: 'Late payment: When payment is not received by the bill due date, we will apply a late payment fee to your account.' No amount is published. The coverage grace period and cancellation notice are set by state law and the policy, so grace_period_days (which the page uses for coverage grace) stays null.","verification_level":"official-page"},{"category":"loans","collections_days":null,"credit_reporting":"direct","credit_threshold_days":90,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Not stated by the servicer","late_fee_dollars":null,"name":"Federal Student Loans","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-federal-student-loans","source_title":"Nelnet (federal student loan servicer): Student Loan Delinquency","source_url":"https://nelnet.studentaid.gov/content/loandelinquency","suspension_days":null,"termination_days":null,"timeline_note":"Nelnet, a Department of Education servicer: 'You are considered delinquent when your student loan payment is one day late. ... we are required to report your loan(s) as delinquent to the nationwide consumer reporting agencies starting at 90 days past due. ... If you miss payments for 270 days, your loan may go into default.' Default is not a service suspension or termination, so the 270 days is recorded here rather than in termination_days. studentaid.gov, which the page also cites, did not respond to a robots.txt request on 2026-09-24 and was not read.","verification_level":"official-page"},{"category":"loans","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"5% of the past-due payment, up to $25","late_fee_dollars":25,"name":"Sallie Mae","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-sallie-mae","source_title":"Sallie Mae: Smart Option Student Loan Application and Solicitation Disclosure","source_url":"https://www.salliemae.com/content/dam/slm/writtencontent/termsandconditions/SOSL-LASD-Degree-Undergrad-SMB.pdf","suspension_days":null,"termination_days":null,"timeline_note":"Application and Solicitation Disclosure: 'Late Fee: 5.000% of the amount of the past due payment, up to a maximum of $25.' The disclosure gives no grace period before the fee, no credit-reporting day count and no default day count.","verification_level":"official-page"},{"category":"credit","collections_days":null,"credit_reporting":"unverified","credit_threshold_days":null,"grace_period_days":null,"last_verified":"2026-09-24","late_fee":"Set by each provider; no national figure","late_fee_dollars":null,"name":"Medical Bills","reconnect_fee":null,"slug":"what-happens-if-i-dont-pay-medical-bills","source_title":"Equifax, Experian and TransUnion: Remove Medical Collections Debt Under $500 From U.S. Credit Reports (April 11, 2023)","source_url":"https://newsroom.transunion.com/equifax-experian-and-transunion-remove-medical-collections-debt-under-500-from-us-credit-reports/","suspension_days":null,"termination_days":null,"timeline_note":"No national timeline exists for provider billing or collections referral. The three nationwide credit bureaus' own policy: medical collection debt with an initial reported balance under $500 is not reported; paid medical collection debt is not reported (since July 1, 2022); and 'The time period before unpaid medical collection debt appears on a consumer's credit report was also increased from six months to one year.' That applies to collection tradelines, not to whether a provider reports directly, so credit_reporting stays unverified. The CFPB's January 2025 rule was vacated on July 11, 2025.","verification_level":"official-page"}]