An auto loan deficiency of $12,930.84, plus 19.95% interest.  Case settled for a reduced sum of $6,250.00 satisfied via an initial up-front lump-sum of $850.00, and minimum payments of $200.00 per month, followed by an increased installment of $500.00 every third (3rd) month, providing eighteen (18) months to pay.  Resulting in a savings of approximately $6,680.00, a 51% reduction.  Creditor represented by Keith D. Weiner & Associates Co., L.P.A.