An auto loan deficiency of $5,730.92, plus 23.89% interest retroactive to the date of Default.  Case settled for a discounted payment of $3,490.00 satisfied via an initial up-front lump-sum of $1,450.00, followed by installments of $85.00 per month with 5% interest assessed from the date of agreement.  Providing twenty-five (25) months to pay, and resulting in a savings of $2,240.00, a 39% reduction.  Creditor represented by Sottile & Barile, LLC.