A debt can be turned over to a collector at any time for any reason or for no reason at all. Although I am not familiar with Oklahoma laws in particular, most laws pertaining to debt collection are based on federal laws.
You may wish to go to the state website and search to determine if your understand is correct or if you are just repeating one of those urban myths that refuse to die.
Hope this perspective helps!
I agree with the earlier replies that a creditor can generally turn the account over for collections at any time and for any reason, though, as stated, you may wish to get more specific information relevant in your jurisdiction.
I often encounter the rumor from clients who tell me that their creditors "cannot do anything" to them if they send them some small payment every month. I always wonder what makes people believe this. If a creditor is not pursuing you actively and you are sending them payments (regardless how small or large), it is not because they can't do so - it only means they aren't doing so. In truth, some collector's are actually content with debtors who make some "best effort" payment because the interest keeps on growing (sometimes faster than the debtor is paying).