Loan balance of $5,786.52, plus 21.02% interest retroactive approximately fourteen (14) months (totaling about $1,449.00 additional).  Case resolved for a reduced pay-off of $4,700.00 satisfied via an initial sum of $132.50, followed by subsequent installments of $130.50 for thirty-five (35) months.  Resulting in a cost savings of about $3,309.00, a 45% reduction.  Creditor represented by JSB Attorneys, PLLC.