I'm at the 90 day mark with my creditors. I had a debt management program (DMP) that I had to stop paying because my daughter was defaulting on student loans that I cosigned. I'm now paying Sallie Mae and not the DMP. I have a Sears card that I'm paying on and I have a PNC bank card that I'm paying because they gave me 4%. Also 2 cards that are under $500, and I'm trying to pay them off. I have an open Bank of America visa that I'm also using and paying limit is $3000.
I read that creditors negotiate after 90 days, but what I read on this forum looks like 180 is the norm.