Credit card balance of $5,245.01.  Resolved via reduced pay-off of $3,935.00, satisfied via a partial up-front lump-sum of $500.00, followed by installments of $99.00 per month thereafter.  Providing thirty-six (36) months to pay, and resulting in a savings of approximately $1,310.00, a 25% reduction.  Creditor represented by Stenger & Stenger, P.C.