I suppose that, given that Muttley lives in a cool wet place, he can be forgiven for not getting to this, but the FIRST question anyone should ask, particularly given the time of year and as you start out by saying it is really dry where you live, is, "what are you doing to humidify the guitar?" because this is about as classic a case (without seeing it, of course) of a sunken top.
Whatever you are doing to humidify, it almost certainly is not enough. Do more. A LOT more. Unless you start pouring full glasses of water into the soundhole, you can not possibly over-humidify a guitar. (Unless you live in a swamp, I suppose, but I don't so I wouldn't know.) Get yourself a
Kyser Lifeguard (don't forget to take off the hard plastic ring that they package it with - not the cover with the holes in it, but the hard plastic thing that sits in the groove around the outside), and make yourself a soap dish humidifier (take a plastic travel soapdish, drill some holes in the top, and put a damp sponge in it - you can buy all the materials at Walmart for about $1.00). Don't let anyone try to sell you anything else for a flattop guitar, because there is not a more effective way to humidify a guitar out there, and all the other humidifiers on the market suck.
Use both humidifiers, and keep them wet (damp, really, but you know what I mean.) I'm betting that if you look at your guitar from the side, the top will be dished like a very shallow bowl. The next step is cracking. There is also a good chance that if you run your hands along the side of the fingerboard, the fret ends will be sticking out.
So, the first step is to humidify the crap out of your guitar. Hell, make a second soap dish humidifier and stick that in there with the other two. Give it a couple weeks, and it will likely come back. THEN, when you have reached a state of equilibrium (because from now on you are going to remember to humidify, right?), take it to a shop and get any setup work done which needs to be taken care of. If you bring it in while it's dry, the first thing they are going to have to do is let it sit in the shop with a bunch of humidifiers for two weeks to re-humidify (and if they don't want to do that, you shouldn't be taking your guitar to them). Why not do that at home and see if you actually need them first? That's frequently what I tell my customers (and they usually end up coming back for a setup anyway, so why not? Plus, it keeps the guitar count in the shop down to only hip deep).
Light
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M.K. Gandhi