Creditor benefits are based on consistent and sufficient payments throughout the duration of the program. However, after receipt of three consecutive, sufficient payments, your creditors begin to recognize your commitment to the program and may offer benefits which include: acceptance of the proposed payment amount, a reduced interest rate, elimination of late fees and penalties, and bringing a past due account to a current status. If you believe, after reviewing your fourth creditor statement, that you are not receiving benefits, you can contact our Client Services Department to discuss the benefits offered by each of your creditors. To assist you, please have your statement available.