Mortgage and Insurance

I have a bit of a dilemma and want to avoid collections hitting my report.  I have a large dental bill and my old apartment complex decided to charge me a huge amount to break my lease when I just bought my house a couple of months ago.

 

I did not know of the dental bill until a month ago (or that the insurance had finally paid everything and now I needed to pay immediately) and as far as the apartment goes, they took over a month to give me the summary of charges I owed after moving out.  So I have been able to avoid collections for a short minute.  I think I have a couple weeks before I would received any kind of notice or anything would be sent there.

 

I will be able to pay these amounts in full, but not for a few weeks.

 

My question is, if these are turned over to a CA, will they post immediately to my credit or do I have a time frame in which to pay?  And also, if they do hit collections and I DV, would I have another 30 days in which to pay?

 

Any help would be appreciated.  I had a bit of a setback, but its looking good in the months to come.

 

Thanks!