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 for one (1) year.  Providing five (5) years to pay, and a savings of $62,199.00, a 50.9% reduction.  Creditor represented by Lloyd & McDaniel, PLC.