s4systemsllc: EUREKA! Your item number 3 IS A KEY POINT FOR ABSOLUTE dissmissal of this SUIT. Listen to this, THEY ACCEPTED SETTLEMANT VIA THE AVENUE OF ACCEPTENCE( I CANT RECALL THE PHRASE)I think the term is paid in full. BUT IT IS INTERPERTED THAT the LATE FEES AND PENELTIES WERE CONCLUSIVE OF A FINAL CONDITION OF CLOSUREby that payment fullfillment of obligation THAT IS THE WHOLE POINT OF THE DONE DEAL....... That my friend will bring finality to this FOUL PLAY! SIMPLE EXAMPLE: YOU PAY OFF THE FINAL PAYMENT ON YOUR AUTO LOAN. TITTLE IS ISSUED TO YOU, YOU PAID THEM OFF, NOW WHAT. NADA, AS YOUR FINANCE COMPANY PLAYED THE SAME GAME YOU PLAYED THEY LOAN YOU PAY. YOU PAYED YOU OWN,YOU OWN NO MORE PAYMENTS. NADA!!!!!!!