Each debt is negotiated one at a time as money accrues in your special purpose account.  Negotiations usually begin at about six months into the program since this is when most creditors are willing to offer our negotiators substantial reductions of your balances.  Exactly when negotiations start depends on how your program is structured, the status of your debts upon enrollment, and the creditors owed.  After each settlement, you will receive a document verifying a zero-balance due.