An auto loan deficiency of $12,557.76, plus 23.9% interest retroactive to the date of Default.  Case settled via an initial up-front lump-sum of $1,300.00, followed by installments of $200.00 per month with 3% interest assessed from the date of agreement.  Providing more than five (5) years to pay, and resulting in a savings of more than $5,500.00 in past interest, plus future accrued interest.  Creditor represented by Sottile & Barile, LLC.