In most cases, your name can be sent to TOP if your debt is more than 90 days delinquent. The government agency must determine that your debt is valid and legally enforceable. The agency must send you notices about your debt and provide you with opportunities to resolve or dispute your debt. The agency must also respond to questions and inquiries regarding your debt. If you have not received a notice about your debt, you must call the agency to which you owe the debt.