Serious Delinquency

You're waaaaay late on that mortgage payment. Or that credit card bill. Or the car bill. Seriously. Like...not a month of "Whoops, I was in Nairobi on vacation so I forgot to pay." Not two months like "Ooh, I just got fired and my BFF broke up with me and and and..." No. Serious. As in: "You're so late that we're calling the sheriff to evict you, the Repo Man to repossess your car, and the credit card scoring companies to deny you credit anywhere."

That's late. Serious. Pay the bills you've promised to pay.