Here's Bloomberg: Citigroup paid almost $82,000 in opponents' legal costs when settling challenges to four bankruptcy claims that used Orion letters in 2010, according to agreements filed with federal bankruptcy courts in New York and Arkansas. The bank reduced interest rates on the remaining debt by an average of 49 percent, while cutting the outstanding mortgage balance in three cases by a combined $55,000, the filings show. A Citigroup spokesman told Bloomberg that it reaches settlements in cases for "a variety of reasons, usually so both parties can avoid the expense of ongoing litigation."