Creditors will add some interest and possibly late fees onto your balances for at least the first few months of delinquency.  We factor this additional amount upfront in our program estimations.  Any amount added is included as part of the settlement, and you only pay performance fees based on your enrolled balances.  It is important to keep in mind that interest is going to continue to accrue on your debts regardless of whether you are making your minimum monthly payments or not.