Ridiculous- me Vs Hanna

I agree. I have the hardest time trying to figure out creditors. I mean if you don't have the money, you don't have the money. You call them and try to work out smaller payments and what do they say < AH NO! So then you are pretty much forced to file BK, I don't understand what good that does them. Its truely crazy.

Why do you have until the end of the week to file?
If he just found proof then you should have a minimum time (generally at least a year) to file suit.

Is it a year from the time it happened or a year from the time you find out?? That's an important thing for me to know!

It should be from the time it happened. And I do not know if it is a year or what but your lawyer should know.

I also have to wonder if that one year is from the moment the first letter ARRIVED to me or when it was typed because there are definitely 2 different dates which were about a week apart.....

so if it's a year from the date the letter was written, we just got that 3 days ago and therefore are not able to suit because there's just no way I could have done that.

Did you get the letter 3 days ago or did you get it last year?

Do you have the envelope that it came in with the postmark?

That would be the most important date, either it will be that day or about 2-3 days later based on the fact that would be a reasonable delivery time frame.

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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Thank you in advance!!