Well, I wanted to get this thing settled and behind me....so, I've been negotiating with them, off-n-on, all day....they offered to lower my pay-back amount to $6K bucks....I told 'em that sucked....so, I decided to try to do the fair thing, and offered to meet them halfway....they accepted, and we settled on a 50% pay-back.
I probably was too generous, but I just don't like things like this, hanging over me....it's over.