Credit card balance of $12,171.56 already reduced to Judgment with a Garnishment pending when services were retained.  Creditor agreed to withdraw that Order and enter into installments of $145.00 for twelve (12) months, $170.00 for twelve (12) months and then $195.00 per month thereafter, providing sixty-eight (68) months to pay.  Creditor represented by Stenger & Stenger, P.C.