If you are in a debt settlement program, expect the full term of 36 months.
During the pre-charge off period, creditors will try and convince you to pay them. I think the callers get paid commissions.
After charge off, make sure you know your rights as a consumer. You have more rights under the Fair Debt Collection Practices Act and state Deceptive Trade Practices Laws.
Keep a log and keep in touch with your lawyer during the next 3-5 months. After 9 months, you should ask your lawyer to sue the debt collector.
Bankrutpcy is also an alternative if you become eligible for Chapter 7. Chapter 13 is just like a debt settlement plan except no harassing phone calls.