how soon an overdue payment is reported to collection agency?

[pabuccu]

I had an account with a utility company for 4 years making payments on time for each month. The last bill was either lost in the mail or whatever happened, I didn't receive it. The company never communicated with me about the last bill and about 3 months later, I received a letter from a collection agency for only 40 dollars! They tarnished my credit history. Is this fair? Can they give me to collection without notifying me? And what is the time period between a debt becoming overdue and giving it for collection? If this is unfair how can I seek justice? ------

[safexiaoyi]

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[safexiaoyi]

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