Auto loan deficiency of $23,883.65.  Resolved for a reduced pay-off of $19,000.00, satisfied via a partial up-front lump-sum of $5,000.00, coupled with installments of $250.00 per month thereafter.  Providing four-and-a-half (4 1/2) years to pay, and resulting in a savings of about $4,883.00, a 20% reduction.  Creditor represented by Weltman, Weinberg & Reis Co., L.P.A.