Location: Arizona My boyfriend and I rented an apartment about a month ago. Ever since staying there, we noticed a large, unavoidable amount of roaches. As stated in the contract, we were allowed to leave if the conditions were deemed unfit for living. We sent several emails regarding this situation, and even got bed bugs and have photos of proof of the roaches and bites as well as a doctor note. There were roaches in bags of potatoes, closed flour, and more. We had enough and left, leaving a letter saying we would be leaving and why. They are now trying to charge us 12k for the months that we left, and threatened to send to collections. We got an email this morning regarding the amount owed from collections. What can we do? We both don’t make enough to pay this off or to get a lawyer. Email: State Debt Recovery LLC, dba Genesis To: My name Their address My address Their address My state, city, zip Their phone # from 8am to 5pm PST, Monday to Friday Account: 0004531455 w.genesiscred.c 2/18/2025 State Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to MONTERRA (STATE). We will use any information you give us to help collect the debt. Our information shows: How can you dispute the debt? You had an agreement with MONTERRA (STATE), regarding 334. - Call or write to us by 3/28/2025, to dispute all or part of the debt. If you do not, we will assume that our information is correct. As of 2/14/2025, you owed: $12,322.62 Between 2/14/2025 and today: - If you write to us by 3/28/2025, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You were charged this amount in interest + $0.00 You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at ComplianceATgenesiscred.c. You were charged this amount in fees: + $0.00 You paid or were credited this amount toward the debt: - $0.00 Total amount of the debt now: $12,322.62 Your account bears interest at 10.00% percent per annum. What else can you do? - Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by 3/28/2025, we must stop collection until we send you that information. You may use the form below or write to use without the form. We accept such requests electronically at ComplianceATgenesiscred.c - Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. - Contact us about your payment options. - Póngase en contacto con nosotros para solicitar una copia de este formulario en español. How do you want to respond? Check all that apply: Mail this form to: STATW Debt Recovery LLC dba Genesis Their P.O. Box I want to dispute the debt because I think: -This is not my debt -The amount is wrong -Other (please describe on reverse or attach additional information). -I want you to send me the name and address of the original creditor. -I enclosed this amount: Make your check payable to STATE DEBT Recovery LLC, dba Genesis. Include the account number 0004531455 You can also pay online at: blank

After years of paying for Trupanion premiums, with hardly any claim at all (only a small amount for thyroid pills) this company blindsided me with an increase in premium, $70 to $118!, a $48 increase/month! They offered a lot of mumbo-jumbo about cost increases in our area. Well we pay for the routine care and it hasn't gone up, maybe minimally but nothing warranting that kind of increase. Now our dog is old so I won't be able to get any other insurance so I'm stuck with them. But we will be moving our younger dog out of that company ASAP. Just warning you all about this company, no loyalty to long time customers.

I know I'm calling them first thing in the morning to talk with an attorney, but is there any advice for a situation like this? I owe them just under 14k, they personally gave me a settlement and I emailed it to them (5k settlement) but National Debt Relief never finalized on anything, and now they are suing me.

Context: Hail Storm on May 3 2024 and it damaged my roof, siding, and gutters. Filed claim with my insurance company Progressive. Progressive approved full roof repair, replacement of gutters, but only approved replacement of siding on 1 side of my house. On the siding my home policy didn’t offer matching so Progressive is only paying to replace 1 side and says to patch damage siding on other sides of my house with siding that will be taken down. Signed contract with roofing company on June 7 2024 for them to do all the approved work. July 2024 the roofing company replaced my roof. Since then, they have not returned to place my gutters and do the siding. I’ve called the roofing company at least once per month to follow up and they say I’m in their Que and they’ll get to it when they get to it. Roofing contractor says insurance companies give 2 years after claims are filed to complete work. Can someone confirm if this true/accurate? What other options do I have? Can/Should I file a complaint with BBB?

My girlfriend received a collection letter last month about an outstanding AllState Insurance bill she does not believe she owes. Following my advice, we sent a debt validation letter to the collector, using a template we found on the cfpb (consumer financial protection bureau) website. The response from the collector did not make much sense to us. They essentially said "we need more information from you to provide the info you asked for. You also didn't provide any info to dispute the debt"....which is not what we were trying to do. Does this response mean they do not have the information to validate the debt? Or did the template we used not do what we expected? Is the next step to file a complaint with the cfpb as [this](https://www.consumerfinance.gov/ask-cfpb/what-information-does-a-debt-collector-have-to-give-me-about-the-debt-en-331/) page suggests, or do we just ignore this and go on our way? By the way, this isn't affecting her credit yet. **First two images are the validation letter we sent. The last image is their response:** https://imgur.com/a/EWyOVfO

Need a new home insurance company! WILL NEVER USE STATE FARM AGAIN! They have been the absolute WORST! Looking for some direction here… What are some of the Best companies I should be looking to switch to?

HI, guys! I never posted on Reddit, need your advice badly...A few years ago I signed up with Merrill Edge IRA, because I was with Bank of America. They were very pursvasive how great it is to have 401K with them. I rolled over some 401K money from my previous jobs, opned account. In the beginning I was contributing certain amount per month automatically, then started to get calls about needing to login, verufy my info ect. I called them last year and verified, my info is correct (home address and work address). I was filing taxes this year and tax person asked me if I contributed to my personal IRA, because it would help with my return. I decided to verify with Merrill Edge, loged in to my account and the nightmare started. I found out YESTERDAY they CLOSED my account back in January this year (no notification received), and issued a check with all my savings also hit me with early withdraw fine. They send check to my WORK instead of home address (???). Mind you my work is a large hospital, and address was provided as a generic, not addressed to accounting, HR, or specific person. When I called Merrill Edge, they first said they will cancel the payment on this check and will issue another. Next phone called I was told by Merrill my check was "cashed" at PNC bank (I have no account there), on certain date in March this year. By WHO???? My guess would be someone opened a letter from them at my work, saw the check and somehow chased/deposited it. But how this person could do this without ID? I dont even know what particular branch of PNC it was cashed, and PNC doesnt want to talk to me. I am shocked...It was substantial amount of money, I dont even know what to begin with. Lawer? Police? Pls help with advise!!

Hey everyone, I'm currently living in CA and am on an Anthem Select HMO through my employer - my entire family (wife, daughter, me) are covered under this plan. My wife is currently pregnant with #2 due in September. However, my family will be moving to Pennsylvania in a couple months, and I will likely be staying with my same employer/plan (this is still to be confirmed but seems like it'll be the case). However, the Anthem Select HMO does not have coverage in the area we will be moving to, but the company also offers PPO options that do have coverage in the new area. Will moving across the country, at which point my coverage would essentially be lost, count as a qualifying life event and allow us to switch to the PPO coverage? I tried to reach out to the insurance company, but they said they can't make that determination. Is it a state requirement that determines it? If so, would it be CA state or PA state that would take precedence? I'm waiting to explore further with my company until it's for sure that I'll be staying with this employer as we're kind of keeping it on the hush-hush until it's official. Curious on your guys thoughts.

Last week I got my settlement value for my totaled car which was very very undervalued due to them not comparing the same vehicles. Their excuse was “we go off of the VIN, they did not have any ST models in the area for comparison so that was the closest model to your vehicle” that was word for word from an email I received. For context I have a ford focus st and they compared to the ford focus se, the two cars are VERY different in build and price. They are saying I can invoke my appraisal clause and get an independent appraiser at my expense. What should I do? Any advice would be greatly appreciated! Thanks everyone!

I got an email today regarding an upcoming Progressive insurance payment of $455. I spat my drink and went to look up my policy and to my surpriced, Progressive added a Random dude to my Policy. I have no idea who he is at all. I called Progressive support line and they said they automatically added him because they "Think" he lived in my House. I was pissed and told them i did not consent or even call them to add him. They told me that i agree to their terms and condition bla bla. I got literally no heads up or any phone calls what so ever. They claimed the mailed me about the new change. I rarely check insurance docs as they are either bills i already paid or policy info. To make it worse, this dude has 2 Serious ticketsand an at fault accident. I been a loyal member for over a decade. 0 accidents, 0 tickets. They told me to call them on Monday to fix this "easy" mistake. I was gonna wait till Monday but i couldn't let this mistake fly so i cancelled my policy. I drive my car like once every few months anyways.