In general, in the event that a borrower does not make a payment according to schedule, the loan originator will contact the borrower to remind them about the missed payment. If the payment is still not made, the loan originator may pursue different options, depending on the situation leading to the missed payment. When feasible, the loan is rescheduled or otherwise modified. As a last resort, in the event that the borrower is not able or willing to make the payment, the loan originator will start loan recovery procedures. The recovery process may be pursued by either the loan originator or an outsourced bailiff. The exact debt recovery process and timeframe is different for each loan originator.