Credit card balance of $3,298.55.  Case settled for a reduced pay-off of $1,750.00 satisfied via an initial up-front lump-sum of $400.00, followed by mininum installments of $122.73 per month thereafter.  Resulting in a savings of approximately $1,548.00, a 47% reduction, and providing twelve (12) months to pay.  Creditor represented by Lyons, Doughty & Veldhuis, P.C.