Stefen Kaufman Shamberg

Balance due of $8,015.18. Settled for a discounted lump-sum payment of $2,850.00, providing a true cost-savings of $5,316.00, which is a 65% reduction.

Balance due of $9,359.53. Case resolved pursuant to monthly installments of $225.00, until a reduced sum of $6,300.00 was satisfied, providing more than $3,059.00 in cost savings, which is a 34% reduction.

Balance due of $6,951.67. Settled for a discounted lump-sum payment of $3,400.00, providing a true cost-savings of $3,701.00, which constitutes a 52% reduction.

Balance due of $8,370.00. Settled for a discounted lump-sum payment of $5,450.00, providing a true cost-savings of approximately $3,070.00, which constitutes a 36% reduction.

Balance due of $17,281.70. Settled for a lump-sum payment of $9,706.12 with abatement of all penalties and a substantial portion of accrued interest, providing a true cost-savings of $7,575.58.

Balance due of $16,859.60. Case resolved pursuant to monthly installments of $357.00, until a total reduced sum of $10,000.00 has been satisfied, providing approximately $7,059.00 in true cost-savings, which constitutes a 41% reduction.

Balance due of $1,787.40. Case resolved pursuant to monthly installments of $80.00, until a total of $960.00 was paid in discounted satisfaction of account, which constitutes a 49% reduction.

Balance due of $3,152.12. Case resolved pursuant to monthly installments of $100.00, until a discounted total of $2,400.00 was satisfied, providing a true cost-savings of $902.00, which is a 27% reduction.

Balance due of $3,274.67. Case resolved pursuant to monthly installments of $40.00, providing more than seven (7) full years to pay.

Balance due of $1,280.32. Case resolved pursuant to monthly installments of $30.00, providing four (4) full years to pay.

Balance due of $5,328.21. Case resolved pursuant to monthly installments of $145.00 until a reduced sum of $4,495.00 was paid, providing a true cost-savings of $983.00, which constitutes an 18% reduction.

Balance due of $2,619.26. Settled for a discounted lump-sum payment of $1,100.00, providing a true cost-savings of $1,669.00, which constitutes a 60% reduction.

Balance due of $4,143.55. Settled for a reduced total of $1,920.00 subject to minimum monthly installments of $160.00 until satisfied, providing a true cost-savings of approximately $2,373.00, which constitutes a 55% reduction.

Balance due of $8,870.99. Case resolved pursuant to monthly installments of $105.00, providing more than seven (7) full years to pay.

Balance due of $6,199.77. Settled for a discounted lump-sum payment of $3,250.00, providing a true cost-savings of $3,150.00, which constitutes a 49% reduction.

Balance due of $4,687.00. Settled for a discounted lump-sum payment of $2,600.00, providing a true cost-savings of $2,237.00, which constitutes a 47% reduction.

Balance due of $2,239.35. Settled for a discounted lump-sum payment of $1,000.00, providing a true cost-savings of $1,389.00, which constitutes a 59% reduction.

Balance due of $11,539.47. Settled for a discounted lump-sum payment of $4,533.00, providing a true cost-savings of approximately $7,156.00, which constitutes a 61% reduction.

Balance due of $4,632.36. Settled for a discounted lump-sum payment of $2,550.00, providing a true cost-savings of $2,232.00, which constitutes a 46% reduction.

Balance due of $1,539.28. Case resolved pursuant to monthly installments of $85.00, until a reduced sum of $1,020.00 was satisfied, providing a true cost-savings $669.00, which constitutes a 40% reduction.

Balance due of $14,653.59. Case resolved pursuant to monthly installments of $165.00, providing more than seven-and-a-half (7 1/2) years to pay.

Balance due of $1,850.72. Case resolved pursuant to monthly installments of $40.00 until a total of $1,045.00 was paid in reduced satisfaction of account, providing a true cost-savings of $955.00, which constitutes a 47% reduction.

Balance due of $14,249.57. Case resolved pursuant to monthly installments of $105.00 for fifteen (15) months, then $140.00 for fifteen (15) months, and then $160.00 per month thereafter, providing eight (8) years to pay.

Balance due of $23,292.13. Settled for a discounted lump-sum payment of $12,000.00, providing a true cost-savings of approximately $11,492.00, which constitutes a 49% reduction.

Balance due of $3,995.78. Settled for a discounted lump-sum payment of $2,000.00, providing $2,145.00 in true cost-savings, which constitutes a 51% reduction.

Balance due of $4,195.73. Case resolved pursuant to monthly installments of $75.00, providing more than four-and-a-half (4 1/2) years to pay.

Balance due of $27,517.85. Settled for a discounted lump-sum payment of $9,800.00, providing a true cost-savings of approximately $1,7917.00, which constitutes a 65% reduction.

Balance due of $8,627.68. Settled for a discounted lump-sum payment of $4,300.00, providing a true cost-savings of approximately $4,477.00, which constitutes a 51% reduction.

Balance due of $1,573.72. Case resolved pursuant to monthly installments of $85.00, until a total of $1,020.00 is paid in discounted settlement of account, providing a true cost savings of approximately $703.00, which constitutes a 40% reduction.

Balance due of $2,936.30. Case resolved pursuant to a reduced sum of $1,630.00, providing a true cost-savings of $1,483.00, which constitutes a 48% reduction.

Balance due of $1,135.95. Case resolved pursuant to monthly installments of $30.00 until satisfied, providing three-and-a-half (3 1/2) years to pay.

Balance due of $4,330.48. Settled for a discounted lump-sum payment of $1,800.00, providing a $2,680.00 cost-savings, which constitutes a 55% reduction.

Balance due of $2,758.85. Settled for a discounted lump-sum payment of $1,300.00, providing a true cost-savings of approximately $1,608.00, which constitutes a 56% reduction.

Balance due of $3,751.00. Case resolved pursuant to monthly installments of $40.00, providing more than eight (8) full years to pay.

Balance due of $22,531.62. Case resolved pursuant to monthly installments of $610.42, until a reduced sum of $14,650.00 is satisfied, providing a true cost-savings $8,081.00, which constitutes a 36% reduction.

Balance due of $9,002.24. Case resolved for reduced sum of $6,000.00 subject to installments of $125.00 and then a balloon payment of $3,150.00, providing a true cost-savings of approximately $3,152.00, which constitutes a 34% reduction.

Balance due of $1,523.46. Case resolved pursuant to monthly installments of $25.00, providing five-and-a-half (5 1/2) years to pay.

Balance due of $1,640.41. Case resolved pursuant to monthly installments of $22.00, providing seven (7) full years to pay.

Balance due of $6,875.00. Settled for a discounted lump-sum payment of $2,900.00, providing a true cost-savings of approximately $4,125.00, which constitutes a 59% reduction.

Balance due of $30,472.00. Settled for a discounted lump-sum payment of $15,000.00 providing a true cost-savings of approximately $15,772.00, which constitutes a 51% reduction.

Balance due of $9,605.79. Case resolved pursuant to monthly installments of $160.00, until a reduced sum of $4,825.00 is satisfied, providing a true cost-savings of approximately $4,930.00, which constitutes a 50% reduction.

Balance due of $5,705.31. Case resolved pursuant to monthly installments of $45.00 for fifteen (15) months, then $55.00 for fifteen (15) months, and then $65.00 per month thereafter, providing more than eight (8) years to pay.

Balance due of $4,639.44. Case resolved pursuant to bi-weekly installments of $175.00, until the reduced balance of $3,150.00 has been satisfied, providing a true cost-savings of $1,639.00, which constitutes a 34% reduction.

Balance due of $20,970.56. Settled for a discounted lump-sum payment of $8,250.00, providing a true cost-savings of approximately $12,720.00, which constitutes a 63% reduction.

Balance due of $4,545.70. Case resolved pursuant to an initial payment of $320.00, and installments of $90.00 until a reduced total of $3,200.00 is satisfied, providing a true cost-savings of approximately $1,495.00, which constitutes a 32% reduction.

Balance due of $7,078.00. Settled for a discounted lump-sum payment of $4,000.00, providing a true cost-savings of $3,228.00, which constitutes a 44% reduction.

Balance due of $3,465.45. Settled for a discounted lump-sum payment of $1,700.00, providing a true cost-savings of approximately $1,915.00, which constitutes a 53% reduction.

Balance due of $5,162.41. Case resolved pursuant to monthly installments of $75.00, providing six (6) years to pay.

Balance due of $6,554.48. Case resolved pursuant to monthly installments of $120.00, until a reduced sum of $3,600.00 is satisfied, providing a true cost-savings of $3,104.00, which constitutes a 46% reduction.

Balance due of $2,298.55. Case resolved pursuant to monthly installments of $55.00, providing more than three-and-a-half (3 1/2) years to pay.

Balance due of $2,965.37. Settled for a discounted lump-sum payment of $1,482.50, providing a true cost-savings of approximately $1,633.00, which constitutes a 52% reduction.

Balance due of $1,713.20. Settled for a discounted lump-sum payment of $650.00, providing a true cost-savings of approximately $1,213.00, which constitutes a 65% reduction.

Balance due of $23,933.64. Case resolved pursuant to tiered installments of $85.00, then $110.00, $135.00 and ultimately $160.00 per month thereafter until the balance is satisfied, providing more than fifteen (15) full years to pay.

Balance due of $15,607.42. Case resolved pursuant to monthly installments of $55.00, providing more than twenty-four (24) years to pay.

Balance due of $21,799.37. Case resolved pursuant to monthly installments of $80.00, providing more than twenty-three (23) years to pay.

Balance due of $29,355.89. Case resolved pursuant to monthly installments of $105.00, providing more than twenty-three (23) years to pay.

Balance due of $11,903.01. Settled for a discounted lump-sum payment of $4,650.00, providing a true cost-savings of approximately $7,553.00, which constitutes a 62% reduction.

Balance due of $2,106.48. Case resolved pursuant to monthly installments of $50.00 for fifteen (15) months, and then $75.00 per month thereafter, providing three (3) full years to pay.

Balance due of $10,412.89. Settled for a discounted lump-sum payment of $4,000.00, providing a true cost-savings of approximately $6,562.00, which constitutes a 62% reduction.

Balance due of $875.04. Settled for a discounted lump-sum payment of $375.00, providing a true cost-savings of approximately $650.00, which constitutes a 63% reduction.

Balance due of $10,388.18. Case resolved pursuant to installments of $180.00 for twelve (12) months, then $205.00 for twelve (12) months, and then $230.00 per month until satisfied, providing more than four (4) years to pay.

Balance due of $11,404.38. Case resolved pursuant to installments over twenty-four (24) months totaling $6,680.00, providing a savings of approximately $4,924.00, which constitutes a 42% reduction.

Balance due of $13,825.06. Case resolved pursuant to installments over twenty-four (24) months totaling $7,600.00, providing a savings of approximately $6,425.00, which constitutes a 46% reduction.

Balance due of $2,558.49. Case resolved pursuant to monthly installments of $55.00, providing more than four (4) full years to pay.

Balance due of $6,067.29. Settled for a discounted lump-sum payment of $2,400.00, providing a true cost-savings of approximately $3,817.00, which constitutes a 61% reduction.

Balance due for $14,168.03. Settled for a discounted lump-sum payment of $8,000.00, providing a true cost-savings of approximately $6,368.00, which constitutes a 44% reduction.

Balance due of $10,277.58. Settled for a discounted lump-sum payment of $5,850.00, providing a true cost-savings of approximately $4,577.00, which constitutes a 44% reduction.

Balance due of $26,889.85. Case resolved pursuant to monthly installments of $300.00, providing more than seven-and-a-half (7 1/2) years to pay.

Balance due of $12,010.37. Case resolved pursuant to a first payment $800.00, and then installments of $200.00 until the reduced sum of $8,800.00 has been satisfied, providing a true cost-savings of $4,060.00, which constitutes a 34% reduction.

Balance due of $8,313.55. Case resolved pursuant to monthly installments of $165.00 for nine (9) months, $180.00 for nine (9) months and then $195.00 per month thereafter until satisfied, providing more than three-and-a-half (3 1/2) years to pay.

Balance due of $1,273.12. Case resolved pursuant to monthly installments of $80.00, until a reduced sum of $640.00 is satisfied, providing a true cost-savings $833.00, which constitutes a 56% reduction.

Balance due of $1,535.00. Settled for a discounted lump-sum payment of $850.00, providing a true cost-savings of approximately $835.00, which constitutes a 49% reduction.

Balance due of $26,720.59. Settled for a discounted lump-sum payment of $14,600.00, providing a true cost-savings of approximately $12,420.00, which constitutes a 46% reduction.

Balance due of $21,149.83. Case resolved pursuant to monthly installments of $145.00 for nine (9) months, then $165.00 for nine (9) months, and then $185.00 thereafter until satisfied, providing approximately ten (10) years to pay.

Balance due of $3,015.35. Case resolved pursuant to monthly installments of $85.00, until a reduced sum of $1,105.00 is satisfied, providing approximately $2,000.00 in cost savings, which is a 62% reduction.

Balance due of $2,862.87. Case resolved pursuant to monthly installments of $54.00, providing fifty-two (52) months to pay.

Balance due of $6,035.37. Settled for a discounted lump-sum payment of $3,110.00, providing a true cost-savings of approximately $3,075.00, which constitutes a 49% reduction.

Balance due of $3,543.00. Case resolved pursuant to monthly installments of $66.00, providing approximately four-and-a-half (4 1/2) years to pay.

Balance due of $1,908.37. Settled for a discounted lump-sum payment of $600.00, providing a true cost-savings of approximately $1,458.00, which constitutes a 70% reduction.