Credit card balance of $9,484.60.  Case settled for a reduced pay-off of $4,840.00, satisfied via an up-front partial lump-sum of $2,250.00, followed by minimum installments of $185.00 per month, providing fifteen (15) months to pay.  Resulting in a savings of $4,644.00, a 49% reduction.  Creditor represented by Weltman, Weinberg & Reis Co., L.P.A.