By not making your minimum monthly payments to your creditors, you are breaking the terms of your agreement and most likely will be reported to consumer reporting agencies as a delinquent account. This is the case whether you are currently enrolled in a debt resolution program or not. Upon enrolling in a debt resolution program, your credit score will probably get worse before it gets better; however, this may be a better alternative and not having to file for bankruptcy!
Once we have settled your debts, you should receive a certificate from your creditors stating paid to the satisfaction with a zero balance owed. However, it is important to remember that if you want to maintain a “good credit rating”, you need to pay your bills on time; anything else will cause your credit score to suffer.