I owe bank of america $10,900 and I used to be in

Accelerated means the entire balance will be called due in full and sent to collections or a legal office.

If you cannot afford credit counseling payments, how would you afford a lump sum for a settllement?

She doesn't need a lump sum for a settlement. She could simply find herself enrolled into
debt settlement saving program. The program is designed to assists those that cannot afford counseling, making min payments and don't have saving account large enough to cover a single lump sum settlement payment to the creditor.

You may get help of debt management program. Debt acceleration means, your debt amount can increase because of your late payment, fines and other extra fees charged by your creditors.