Not currently past due
While a debtor may be currently meeting their monthly bills, it may be a continual struggle to do so. Or, there's simply not sufficient income to meet financial obligations. Once payments are missed, because of late charges, over limit fees, accrued interest charges and the increased minimum payments needed to bring past due accounts current, it may become extremely difficult to get back on track. Unless immediate action is taken to resolve financial hardship, it is likely the financial condition will continual to worsen, exponentially.
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