I am in the process of negotiating a lump sum settlement with an attorney for a debt collection lawsuit. I have asked for an agreement in writing before sending a money order. Can you please suggest what terms and conditions should be included in the written agreement? Also, the opposing attorney says their client (Arrow) will never do a tradeline deletion. Should I insist? Should I ask for a "paid as agreed" or "paid in full." I would like to settle this as soon as possible, but want to ensure that the case is dismissed with full prefudice, full release, and that the debt cannot be sold to another party after settlement. I also would like this to have as little damage as possible to my credit score. Thank you in advance for your help.