Ok just an update. That other thing never went anywhere that was posted above. BUT I did just get this letter from my lawyer. However, I do not understand if it's something I should do. Could someone read this and give me a little advice?

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This is what I would like to do. I'd like to send a $7500 demand letter and settle the case somewhere between there and $2500 plus a mutual dismissal with prejudice, one against the other. That would forever cease hostilities with regard to this matter. It would have to include reaging the trade line at the reporting agencies to show the true date of last activity and the fact that it was disputed and settled.

Any settlement would take care of any obligation to me as long as there was SOME money involved. Our allegations relate to violation of the validation section of the fdcpa and inaccuracy under the FCRA. Even one of both of those statutes is good for $1000 plus attorney's fees, costs, etc. There is risk and Arrow knows it, although Hanna is out of the liability picture. I need your approval to handle within those parameters.

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Thanks for any advice- I am lost as to what that means....

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sounds like he needs you to sign off on pursuing the suite it looks like he will get a settlement plus a PIF.also his fees would be taken care of.i would PM debtcruncher to confirm this,but that's what it looks like to me.if he confirms this GO FOR IT.

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nascar can also answer this as well.

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Date of Last Activity has no bearing on Date of First Default. If they have changed the DOFD, that would be re-aging. DOLA could be the last time the tradeline was updated by the data furnisher.

FDCPA violations are up to $1000 per action. FCRA violations are up to $2500 per violations but again, DOLA does not = re-aging. You may have them on not showing it as disputed though.

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Just an update that this is STILL going on.....still with a lawyer- still going back and forth and still no resolution. In the meantime I have paid off all bills except a loan which has been paid on time and of course this mess. The lawyer I've been using was on the recommended links, John Roper, and he's supposedly doing the work without expecting fee payment unless we win judgment monies. It's not looking at this point like that's going to happen. Has anyone been in this situation where they have lost and ended up having to pay the lawyer even if that's the understanding is that they only get paid if money is won???

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