Four (4) different credit card balances combined in one (1) Complaint, and collectively totaling $33,972.75.  Case settled for reduced sum of $17,500.00 satisfied via an initial up-front lump-sum of $1,000.00, followed by minimum installments of $375.00 per month thereafter, providing forty-five (45) months to pay.  Resulting in a savings of approximately $16,472.00, a 48% reduction.  Creditor represented by Weltman, Weinberg & Reis Co., L.P.A.