I am in a debt settlement program. I have settled with 2 of 3 lenders. If 3rd won't settle what happens?

The government of stipulations is up in squad months, though we hatred to leave this hanging. we have a little great conviction income 00 though they desire 11,000 to settle. we have no move to get a added 6000. Already used all my options as well as am operative added to keep deciding bills paid. we unequivocally have no deciding money.