The bad debt example

In this example the states are the month in which a customer carries a debt.

The customer may pay the debt $($i$.$e$.$ the bill$)$ at any time

However, the customer may carry the debt with probability $0\mathrm{.}3.$ i$.$e$.,$ not pay now, and pay at the end of the first month or pay at the end of the second month.

However, if the customer carries the debt longer than a specified number of periods $($say $2$ months$)$ the debt will be labels "bad" and will be transferred to a bill collector

Express the problem as a Markov chain.

What percentage of customers whose accounts are carried for $1$ month end up as bad debt?

What percentage of customers whose accounts are carried for $2$ months end up as bad debt?