There is no incentive for a creditor to negotiate an account if you are paying them interest and fees.  If you are not making minimum payment, this will have an effect on your credit score, and will show up as a negative on your credit report. On your credit report it may show late, delinquent, or past due. These negative effects are only temporary. After completion of the program your accounts will appear as paid as agreed or settled as agreed with a zero balance and show that you paid them off.