An auto loan deficiency of $8,160.49, plus 22.9% interest.  Case settled for a reduced pay-off of $6,726.01, with interest at 3%, satisfied via minimum installments of $100.00 for six (6) months and then $150.00 per month thereafter, providing almost four (4) full years to pay.  Resulting in a savings of approximately $1,434.00 on the principal, a 17% reduction, plus future accrued interest.  Creditor represented by Reimer Law Co.