Two credit card balances of $792.39 and $1,046.01 ($1,838.40 in total).  Settled for a combined reduced pay-off of $1,148.00, satisfied via minimum installments of $46.00 and $36.00 ($82.00 combined) payable over fourteen (14) months.  Providing a savings of approximately $690.00, a 37% reduction.  Creditor represented by Stenger & Stenger, P.C.