Citibank, N.A. v. J.D.
January 2026
Credit card balance of $3,275.81. Resolved via minimum installments of $70.00 per month, providing almost four (4) full years to pay. Creditor represented by Weltman, Weinberg & Reis Co., L.P.A. Read On
Numerous elements impact the final terms of any debt settlement agreement. So past case results do not ensure a similar solution in your proceeding. Nonetheless, we have secured the following outcomes on behalf of prior clients:
January 2026
Credit card balance of $3,275.81. Resolved via minimum installments of $70.00 per month, providing almost four (4) full years to pay. Creditor represented by Weltman, Weinberg & Reis Co., L.P.A. Read On
January 2026
Credit card balance of $10,315.88. Settled for a reduced pay-off of $7,400.00, satisfied via installments of $185.00 over forty (40) months. A savings of approximately $2,915.00, a 28.2% reduction. Creditor represented by Keith D. Weiner & Associates Co., L.P.A. Read On
January 2026
Credit card balance of $2,322.19. Settled via installments of $65.00 per month, providing thirty-six (36) months to pay. Creditor represented by Weltman, Weinberg & Reis Co., L.P.A. Read On
January 2026
Credit card balance of $2,967.89. Settled for $1,980.00, satisfied via installments of $45.00 per month. Providing three (3) years and eight (8) months to pay, and a savings of $987.00, a 33.2% reduction. Creditor represented by Stenger & Stenger, P.C Read On
January 2026
Credit card balance of $5,261.67. Case settled for reduced sum of $2,400.00 satisfied via installments of $60.00 paid over forth (40) months. Resulting in a savings of approximately $2,861.00, a 54% reduction. Creditor represented by Staff Counsel. Read On
January 2026
An auto loan deficiency of $5,703.88, plus 23.99% interest retroactive to February 24, 2025. Case settled for a reduced pay-off of $4,800.00, with waiver of both past and future interest, satisfied via installments of $100.00 for forty-eight (48) months. Creditor represented by Sottile & Barile... Read On
January 2026
Auto loan deficiency of $12,985.16. Settled for a lump-sum of $2,594.03, providing a savings of $10,391.13, an 80% reduction. Creditor represented by Javitch Block, LLC. Read On
December 2025
Credit card balance of $4,988.56. Settled for a reduced pay-off of $2,700.00, satisfied via installments of $90.00 over thirty (30) months. A savings of approximately $2,288.00, a 45% reduction. Creditor represented by Javitch Block, LLC. Read On
November 2025
Loan balance of $35,930.26. Settled for $18,135.00, satisfied via installments of $195.00 per month. Providing seven (7) years and nine (9) months to pay, and a savings of $18,095.00, a 49.9% reduction. Creditor represented by Stenger & Stenger, P.C Read On
October 2025
Credit card balance of $3,016.33, settled via installments of $35.00 per month, providing seven (7) years and three (3) months to pay. Creditor represented by Velo Law Office. Read On
October 2025
Credit card balance of $4,953.77. Resolved for a reduced pay-off of $3,500.00, satisfied via installments of $100.00 per month. Providing almost three (3) full years to pay, and resulting in a savings of about $1,453.00, a 29.3% reduction. Creditor represented by Messerli & Kramer, P.A. Read On
October 2025
Credit card balance of $1,565.99. Resolved for a reduced pay-off of $975.00 satisfied via installments of $25.00 per month, providing three (3) years and three (3) months to pay. Resulting in a savings of $590.00, a 37% reduction. Creditor represented by Stenger & Stenger, P.C Read On
October 2025
Credit card balance of $24,519.61. Settled via installments of $250.00 per month, providing more than eight (8) full years to pay. Creditor represented by Levy & Associates, LLC. Read On
September 2025
Commercial loan personally guaranteed by the business owner in the sum of $122,199.44, plus 8% interest. Settled for $60,000.00, satisfied via monthly installments of $500.00 for one (1) year, $750.00 for one (1) year, $1,000.00 for one (1) year, $1,250.00 for one (1) year, and then $1,500.00 fo... Read On
September 2025
Credit card balance of $2,178.20, settled for lump-sum paayment of $1,550.00. Resulting in a savings of $638.00, a 29.2% reduction. Creditor represented by Stenger & Stenger, P.C Read On
August 2024
Student loan balance of approximately $5,049.35, consisting of $3,522.77 in principal, plus $1,500.31 in pre-suit interest, and further costs of $26.27. Settled for discounted lump-sum of $3,200.00. Providing a true savings of approximately $1,849.00, a 36% reduction. Creditor represented by W... Read On
July 2024
Credit card balance of $9,332.82. Settled for lump-sum of $4,800.00. A savings of approximately $4,532.00, a 48% reduction. Creditor represented by Weltman, Weinberg & Reis Co., L.P.A. Read On
July 2024
Credit card balance of $3,219.52. Settled for lump-sum of $1,850.00, providing a savings of approximately $1,369.00, a 42% reduction. Creditor represented by Stenger & Stenger, P.C. Read On
July 2024
Credit card balance of $6,594.68, already reduced to Judgment. Settled for a reduced pay-off of $4,800.00, satisfied via installments of $150.00 per month. A savings of approximately $1,794.00, a 27% reduction. Creditor represented by Javitch Block, LLC. Read On
July 2024
Credit card balance of $7,411.78. Settled via partial up-front lump-sum of $651.78, followed by installments of $130.00 thereafter. Providing fifty-three (53) months pay. Creditor represented by Staff Counsel. Read On
Shamberg & Associates is committed to answering your questions about Bankruptcy, Foreclosure Defense, Breach of Contract Defense, and Debt Settlement. So contact us today for an Initial Free Consultation at (216) 691-7800.