how many days do you usually get to catch up before action can happen??

I assume you mean that you are in default on your mortgage and you are wondering when you can expect to be sued. I've had some clients that have been sued as little as 45 days after a default and some that have defaulted over 3 years ago and have yet to be sued.  Be advised that once you are in arrears your future payments may not be applied to reduce interest and payments, but may be held in a suspense account.