Do very little to help...don't trust the estimated completion
My experience with this group is they settle with the smaller debt and let the larger debt go to litigation where you end up paying the full amount plus penalties and fees anyway. I've done everything I'm supposed to and not even close to finishing after the 4 year program they proposed. Now they propose a loan to finish off the rest for an additional few years. The last summons I received for the largest debt in the program, I sent them the summons the day I received and they lost it for 2 weeks so now I have to defend myself and try to file a motion for an extension.