References

Case #1

Gender:Female (age 45),　Occupation:Tutor;　Monthly Income: $30,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Consumer Finance Co A	$71,545	$4,764	2.45%	$1,753	$1,650	72	0.92%	$656	$1,097	$3,114	$78,984
Bank A	$253,839	$10,101	0.65%	$1,650	$3,000	96	0.14%	$356	$1,294	$7,101	$124,224
Consumer Finance Co B	$40,391	$2,020	3%	$1,212	$713	96	0.72%	$292	$920	$1,307	$88,320
Consumer Finance Co C	$299,433	$10,116	1.32%	$3,953	$6,300	72	0.72%	$2,141	$1,812	$3,816	$130,464
Total	$665,208	$27,001		$8,568	$11,663			$3,445	$5,123	$15,338	$421,992

Monthly Interest Savings: 8568-3445 = $5123
Monthly Payment Reductions from $27001 to $11663

Case #2

Gender:Male (age 47),　Occupation:Bank Management,　Monthly Income: $75,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Bank A	$296,400	$16,682	3.00%	$8,892	$3,900	76	0%	$0	$8,892	$12,782	$675,792
Bank B	$276,881	$13,844	3.00%	$8,306	$5,200	72	0.49%	$1,354	$6,952	$8,644	$500,544
Bank C	$66,000	$1,880	3.00%	$1,980	$1,000	66	0%	$0	$1,980	$880	$130,680
Bank D	$118,410	$5,921	1.05%	$3,552	$3,000	40	0.03%	$40	$3,512	$2,921	$140,480
Bank E	$1,080,341	$29,800		$11,344	$17,200	84	0.40%	$4,339	$7,005	$12,600	$588,420
Total	$1,838,032	$68,127		$34,074	$30,300			$5,733	$28,341	$37,827	$2,035,916

Monthly Interest Savings: 34074-5733 = $28341
Monthly Payment Reductions from $68127 to $30300

Case #3

Gender: Male (age 35),　Occupation: Purchasing Manager,　Monthly Income: $35,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Consumer Finance Co A	$8,736	$437	3%	$262	$209	72	1.00%	$87	$175	$228	$12,600
Consumer Finance Co B	$19,592	$980	4%	$784	$468	72	1.00%	$196	$588	$512	$42,336
Consumer Finance Co C	$230,000	$7,498	1.18%	$2,707	$5,494	72	1.00%	$2,300	$407	$2,004	$29,304
Consumer Finance Co D	$70,892	$3,545	3%	$2,127	$1,694	72	1.00%	$709	$1,418	$1,851	$102,096
Bank A	$520,000	$13,980	0.66%	$3,448	$7,750	96	0.45%	$2,333	$1,115	$6,230	$107,040
Bank B	$55,539	$2,285	0.39%	$218	$579	96	0.45%	$0	$218	$1,706	$20,928
Bank C	$44,732	$2,237	2.50%	$1,118	$466	96	0.00%	$0	$1,118	$1,771	$107,328
Bank D	$48,148	$2,407	2.50%	$1,204	$502	96	0.00%	$0	$1,204	$1,905	$115,584
Total	$997,639	$33,369		$11,868	$17,162			$5,625	$6,243	$16,207	$537,216

Monthly Interest Savings: 11868-5625 = $6243
Monthly Payment Reductions from $33369 to $17162

Case #4

Gender: Female (age 28),　Occupation: Registered Nurse,　Monthly Income: $30,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Bank A	$480,688	$10,682	0.56%	$2,706	$8,118	72	0.30%	$1,442	$1,264	$2,564	$91,008
Bank B	$180,163	$4,769	0.24%	$434	$2,936	72	0.24%	$434	$0	$1,833	$0
Bank C	$333,882	$8,333	0.19%	$618	$5,255	72	0.19%	$618	$0	$3,078	$0
Bank D	$7,180	$359	3.00%	$215	$121	72	0.30%	$22	$193	$238	$13,896
Bank E	$7,535	$377	3.00%	$226	$105	72	0.00%	$0	$226	$272	$16,272
Bank F	$20,157	$1,008	3.00%	$605	$340	72	0.30%	$60	$545	$668	$39,240
Bank G	$105,327	$6,577	3.00%	$3,160	$2,095	72	0.60%	$632	$2,528	$4,482	$182,016
Bank H	$34,911	$1,746	3.00%	$1,047	$485	72	0.00%	$0	$1,047	$1,261	$75,384
Total	$1,169,843	$33,851		$9,011	$19,455			$3,208	$5,803	$14,396	$417,816

Monthly Interest Savings: 9011-3208 = $5803
Monthly Payment Reductions from $33851 to $19455

Case #5

Gender: Male (age 54),　Occupation: Retired Policeman,　Monthly Income: $26,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Bank A	$276,562	$10,637	0.63%	$1,752	$4,122	84	0.30%	$830	$922	$6,515	$77,448
Bank B	$316,442	$6,458	0.90%	$2,846	$4,716	84	0.30%	$949	$1,897	$1,742	$159,348
Bank C	$70,871	$3,544	1.00%	$709	$844	84	0.00%	$0	$709	$2,700	$59,556
Consumer Finance Co A	$72,978	$3,649	2.50%	$1,824	$1,743	72	1.00%	$730	$1,094	$1,906	$78,768
Consumer Finance Co B	$600	$30	4.00%	$24	$14	72	1.00%	$6	$18	$16	$1,296
Bank D	$20,000	$1,000	2.50%	$500	$398	72	0.60%	$120	$380	$602	$27,360
Total	$757,453	$25,318		$7,655	$11,837			$2,635	$5,020	$13,481	$403,776

Monthly Interest Savings: 7655-2635 = $5020
Monthly Payment Reductions from $25318 to $11837

Case #6

Gender: Male (age 40),　Occupation: Construction Worker,　Monthly Income: $22,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Bank A	$96,000	$6,000	0.92%	$880	$1,911	84	0.80%	$768	$112	$4,089	$9,408
Bank B	$43,000	$2,150	3.00%	$1,290	$1,672	72	2.50%	$1,075	$215	$478	$15,480
Bank C	$118,000	$6,000	2.22%	$2,622	$2,819	72	1.00%	$1,180	$1,442	$3,181	$103,824
Consumer Finance Co A	$22,160	$1,400	0.50%	$111	$264	84	0.00%	$0	$111	$1,136	$9,324
Consumer Finance Co B	$70,177	$3,509	3.00%	$2,105	$1,676	72	1.00%	$702	$1,403	$1,833	$101,016
Total	$279,160	$15,550		$4,903	$6,666			$3,023	$3,283	$10,717	$239,052

Monthly Interest Savings: 4903-3023 = $1880
Monthly Payment Reductions from $15550 to $6666

Case #7

Gender: Female (age 30),　Occupation: Beauty Consultant.　Monthly Income: $22,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Bank A	$21,090	$1,055	3.00%	$633		84	0.35%		$633	$1,055	$53,172
Bank B	$295,406	$7,854	1.10%	$3,263	$4,876	84	0.35%	$1,108	$2,155	$2,978	$181,020
Bank C	$23,618	$1,181	3.00%	$709	$375	72	0.20%	$47.24	$662	$806	$47,647
Consumer Finance Co A	$462	$23	3.00%	$14	$12	72	1.30%	$6.01	$8	$11	$575
Bank D	$160,078	$8,004	3.00%	$4,802	$3,344	72	0.70%	$1,120.55	$3,681	$4,660	$265,064
Total	$340,576	$10,113		$4,619	$5,263			$1,161	$7,139	$9,510	$547,478

Monthly Interest Savings: 4619-1161.25 = $3457.75
Monthly Payment Reductions from $10113 to $5263

Case #8

Gender: Female (age 46),　Occupation: Media,　Monthly Income: $24,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Consumer Finance Co A	$68,508	$3,400	1.24%	$853	$1,637	72	1.00%	$685	$168	$1,763	$12,096
Consumer Finance Co B	$139,269	$10,700	0.57%	$788	$2,723	72	0.57%	$788	$0	$7,977	$0
Bank A	$86,930	$4,347	3.00%	$2,608	$1,597	72	0.00%	$0	$2,608	$2,750	$187,776
Bank B	$183,447	$9,172	3.00%	$5,503	$2,548	72	0.00%	$0	$5,503	$6,624	$396,216
Consumer Finance Co C	$102,054	$5,103	3.00%	$3,062	$2,438	72	1.00%	$1,021	$2,041	$2,665	$146,952
Consumer Finance Co D	$29,155	$1,458	4.00%	$1,166	$696	72	1.00%	$292	$874	$762	$62,928
Total	$609,363	$34,180		$13,980	$11,639			$2,786	$11,194	$22,541	$805,968

Monthly Interest Savings: 13980-2786 = $11194
Monthly Payment Reductions from $34180 to $11639

Case #9

Gender: Male (age 40),　Occupation: Warehouse Clerk,　Monthly Income: $19,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Bank A	$383,985	$9,500	0.99%	$3,944	$5,536	96	0.40%	$1,536	$2,408	$3,964	$231,168
Bank B	$113,695	$5,685	3.000%	$3,411	$1,639	96	0.40%	$455	$2,956	$4,046	$283,776
Bank C	$18,010	$901	3.000%	$500	$260	96	0.40%	$72	$428	$641	$41,088
Bank D	$70,325	$3,516	3.000%	$1,750	$1,014	96	0.40%	$281	$1,469	$2,502	$141,024
Total	$586,015	$19,602		$9,605	$8,449			$2,344	$7,261	$11,153	$697,056

Monthly Interest Savings: 9605-2344 = $7261
Monthly Payment Reductions from $19602 to $8449

Case #10

Gender: Male (age 45),　Occupation: Director,　Monthly Income: $30,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Bank A	$32,037	$1,420	3.000%	$954	$471	68	0.00%	$0	$954	$949	$64,872
Bank B	$23,007	$921	3.000%	$700	$338	68	0.00%	$0	$700	$583	$47,600
Bank C	$16,364	$1,479	3.000%	$491	$241	68	0.00%	$0	$491	$1,238	$33,388
Bank D	$22,882	$669	3.000%	$443	$474	68	0.60%	$137	$306	$195	$20,808
Bank E	$20,122	$669	3.000%	$510	$397	68	0.60%	$101	$409	$272	$27,812
Bank F	$102,708	$3,984	3.000%	$2,680	$1,510	68	0.00%	$0	$2,680	$2,474	$182,240
Consumer Finance Co A	$91,075	$3,634	3.000%	$2,271	$2,250	68	1.00%	$911	$1,360	$1,384	$92,480
Bank G	$59,877	$2,589	3.000%	$1,814	$881	68	0.00%	$0	$1,814	$1,708	$123,352
Bank H	$14,489	$510	3.000%	$369	$286	68	0.50%	$72	$297	$224	$20,196
Bank I	$29,655	$2,548	3.000%	$843	$555	68	0.40%	$119	$724	$1,993	$49,232
Bank J	$29,697	$1,171	3.000%	$822	$437	68	0.00%	$0	$822	$734	$55,896
Bank K	$117,204	$3,300	3.000%	$3,170	$1,724	68	0.00%	$0	$3,170	$1,576	$215,560
Bank L	$69,949	$3,391	3.000%	$2,377	$1,448	68	0.60%	$420	$1,957	$1,943	$133,076
Bank M	$184,712	$6,000	3.000%	$1,932	$2,716	68	0.00%	$0	$1,932	$3,284	$131,376
Bank N	$110,046	$6,018	3.000%	$2,899	$1,618	68	0.00%	$0	$2,899	$4,400	$197,132
Total	$923,824	$38,303		$22,275	$15,346			$1,760	$20,515	$22,957	$1,395,020

Monthly Interest Savings: 22275-1760 = $20515
Monthly Payment Reductions from $38303 to $15346

Case #11

Gender: Female (age 26)　Occupation: Insurance,　Monthly Income: $16,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Bank A	$18,945	$758	3.00%	$568	$316	60	0.00%	$0	$568	$442	$34,080
Bank B	$29,853	$1,057	0.98%	$390	$498	60	0.00%	$0	$390	$559	$23,400
Bank C	$80,000	$3,200	3.00%	$2,400	$1,333	60	0.00%	$0	$2,400	$1,867	$144,000
Bank D	$156,910	$3,726	0.50%	$859	$2,615	60	0.00%	$0	$859	$1,111	$51,540
Bank E	$54,389	$3,684	0.38%	$684	$1,601	39	0.38%	$207	$477	$2,083	$18,603
Consumer Finance Co A	$12,778	$511	3.00%	$383	$1,257	12	1.50%	$192	$191	-$746	$2,292
Total	$352,875	$12,936		$5,284	$7,620			$399	$4,885	$5,316	$273,915

Monthly Interest Savings: 5284-399 = $4885
Monthly Payment Reductions from $12936 to $7620

Case #12

Gender: Male (age 42),　Occupation: Registered Nurse,　Monthly Income: $49,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Bank A	$722,633	$17,784	1.07%	$8,341	$11,947	96	0.35%	$4,419	$3,922	$5,837	$376,512
Bank B	$546,594	$15,617	0.74%	$5,740	$8,942	96	0.40%	$3,248	$2,492	$6,675	$239,232
Bank C	$173,184	$560	2.50%	$4,330	$1,804	96	0.00%	$0	$4,330	-$1,244	$415,680
Bank D	$94,900	$5,925	1.00%	$949	$989	96	0.00%	$0	$949	$4,936	$91,104
Bank E	$96,490	$2,431	2.50%	$2,412	$1,005	96	0.00%	$0	$2,412	$1,426	$231,552
Bank F	$64,564	$79	2.50%	$1,614	$688	96	0.60%	$16	$1,598	-$609	$153,408
Bank G	$21,620	$390	1.00%	$216	$135	96	0.00%	$0	$216	$255	$20,736
Total	$1,719,985	$42,786		$23,602	$25,510			$7,683	$15,919	$17,276	$1,528,224

Monthly Interest Savings: 23602-7683 = $15919
Monthly Payment Reductions from $42786 to $25510

Case #13

Gender: Female (age 34)　Occupation: Clerk,　Monthly Income: $15,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Bank A	$240,000	$4,650	0.55%	$1,317	$5,080	60	0.45%	$1,080	$237	-$430	$14,220
Bank B	$59,000	$3,500	1.510%	$891	$1,278.3	60	0.50%	$295	$596	$2,222	$35,760
Bank C	$62,000	$2,500	3.000%	$1,860	$1,033.3	60	0.00%	$0	$1,860	$1,467	$111,600
Bank D	$50,000	$500	3.000%	$2,199	$833.3	60	0.00%	$0	$2,199	-$333	$131,940
Bank E	$22,000	$800	3.000%	$660	$366.7	60	0.00%	$0	$660	$433	$39,600
Bank F	$20,000	$800	3.000%	$600	$333.3	60	0.00%	$0	$600	$467	$36,000
Total	$453,000	$12,750		$7,527	$8,925			$1,375	$6,152	$3,825	$369,120

Monthly Interest Savings: 7527-1375 = $6152
Monthly Payment Reductions from $12750 to $8924.9

Case #14

Gender: Male (age 45),　Occupation: Director,　Monthly Income: $30,000

Debt Structure	Outstanding Debt	Monthly Minimum Repayment	Monthly Interest Rate	Monthly Interest Payments	Monthly Repayments After Debt Relief	Payment Terms (Months)	Monthly Interest Rate After Debt Relief	Monthly Interest Payments After Debt Relief	Monthly Interest Savings ($)	Monthly Payment Reduction ($)	Minimum Savings
Consumer Finance Co A	$414,400	$15,417	1.59%	$6,667	$9,077.33	84	1.00%	$4,144	$2,523	$6,340	$211,932
Consumer Finance Co B	$175,200	$7,917	1.500%	$3,750	$3,487.31	84	0.80%	$1,402	$2,348	$4,430	$197,232
Consumer Finance Co C	$64,831	$3,000	3.000%	$1,800	$1,420.11	84	1.00%	$648	$1,152	$1,580	$96,768
Consumer Finance Co D	$15,000	$750	3.000%	$450	$313.57	84	0.90%	$135	$315	$436	$26,460
Total	$669,431	$27,084		$12,667	$14,298			$6,329	$6,338	$12,786	$532,392

Monthly Interest Savings: 12667-6329 = $6338
Monthly Payment Reductions from $27084 to $14298.32