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

Back in 2023/2024 we had a tree brand fall on the A frame of our Highlander. We called state farm, they decided after an assessment a repair would do the trick. They wouldn’t let us use Toyota without paying 50% out of pocket. So we ended up using their preferred shop. Long story short, the replaced the windshield and “repaired” the A frame. It was still leaking and we went back, they “repaired it again” and it was fine (minus the water stains on the head liner). It’s been about 16 months or so, and it is leaking again. No additional accidents or anything. My wife and I are incredible tired of dealing with this. Anyone have any tips on dealing with state farm for this situation? The value of the Highlander went down 10K just from the accident alone which is crazy state farm wouldn’t give us compensation for(IMO). We honestly would prefer to have a new Camry or something at this point and not worry about mold, stains, or possible leaks again. TIA.

So my mom (74) went to the dentist for a root canal today and was told the procedure was covered by her insurance. She has Humana and a root canal on her plan should be $0 out of pocket, however, she ended up paying $1800 because she felt stuck. We found her dentist through the Humana provider site and called the dentist to make sure they took her insurance. My understanding is that once you pay, it’s a done deal but does she have any legal recourse to recoup that money? Thank you in advance

I switched to an HMO plan, and all doctors at the practice I go to accept my insurance, including my PCP. However, the PCP I was seeing is relatively new, and because of that, they don't show up on the list of providers when I go to assign my PCP with my plan online. I remember having this issue a year ago when I tried seeing them for the first time (I wound up having to wait until my job gave me an EPO plan). I love my PCP, and don't want to have to choose a new one after being with them for a while. Is there anyway to get my insurance (Anthem) to update their list? Or would the doctor have to go through a process on their end?

Has anyone successfully moved their IRA from Inspira to Vanguard with an "in kind" transfer? It's impossible to reach anyone via phone at Inspira for help!

Hello, hurricane damage claim. State Farm. Upon reviewing my latest final estimate, I noticed that it is missing around $34k of damage for items: hazardous material/asbestos removal, water remediation and tree removal. These items have already been included in previous estimates but they are not listed in the most recent one. Two line items are removed completely and the tree removal was deducted from previous demolition line item now showing $500 when it was $9000 (with tree removal) This estimate has increased based on some other items like additional roofing repairs and other things to the tune of about $40k, but with the removal of $34k in line items it only goes a little higher. I am concerned why those items would be removed. I have a call into the adjuster but looking to see if anyone has any ideas. I can’t tell if they took it out to see if we’d notice and playing games or what. Those items have already been paid previously and the roof is complete as well so it doesn’t make sense to me.

Full background: I have had both my dogs insured by Trupanion for several years now, both since they were pups. One will be 7 this November, and the other just turned 4. My premiums have gone from $126/mo in 2022 to what will now be $290/mo starting in June. So more than 2x increase in 2 years. Over the years I've had a few emergency vet visits (mostly from ingesting foreign substances) and filed claims. In total they've paid out about $4100. But now I'm just not sure it's worth it anymore. Changing insurance is probably out of the question for me given the number of past incidents that would probably be considered "pre-existing conditions" now. But paying $3480 a year (and probably will just increase more) feels completely ridiculous. Should I just cancel the policy and put the money toward a savings account instead? Or is the risk not worth it? My brain tells me cancel, but it feels like a decision I can't really walk back once I do it.

A couple of weeks ago a gentleman ran the stop sign in front of my house and used my new mudroom as a stopping mechanism. We were told to get an estimate from a contractor and they would cut us a check. We got a detailed estimate and the insurance company sent it out for review. The review came back with a 6000.00$ reduction in the estimate due to not enough detail on the labor side of the estimate. The insurance agent said that we could accept the money while we submitted an updated more detailed estimate to get the extra 6000.00$. Should we take the money while we wait for the contractor to update the estimate or should we get the updated estimate first?

Hello! I was rear ended, and the other party was liable. I submitted my vehicle for repairs at the shop of my choice. The car has been in the shop for way longer than the estimate stated due to shortage of parts. (Estimate was approved for 20 days, and its been almost 5 months lol) Adjuster stated they wont be covering the rental because it was excessive. I know that some shops are not truthful, but I confirmed with Acura. The parts were genuinely on back order the entire time. I told the adjuster that its not my fault that Acura is backed up, and that I wouldnt be in this predicament if their insured hadnt hit my car. He insisted that they wouldnt reimburse me for the rental. Side note: Originally the adjuster estimated approx $9K in damages, and the shop was in the ball park of $21K in damages. When the supplement was issued, the allotted time to repair still stayed at 20 days, is that normal? My thought process is that if there was more damage, then it would take longer to repair lol. What do I do? If I seek legal assistance are the odds in my favor? Im in Illinois if that helps.PLEASE HELP

So like the title says I had 2 doctor visit back to back days. One I saw the PA and the other I saw the NP. But the medical claim with my insurance says I saw the doctor. I received a bill from the clinic stating I owe an additional $76.93 for the PA and nothing additional for the NP. Both doctors are from same clinic but different specialties. I reached out to my insurance and they said it was both bill coded as me seeing the doctors. Is this correct? I reached out to the billing department of the clinic and it’s been almost 2 weeks and they haven’t gotten back to me yet. Is this correct? I paid $220.63 both times (I have a high deductible plan) I think. I don’t have a copay - I pay for everything my insurance doesn’t cover(which they don’t cover very much) If you have more questions to help answer this let me know. In the last month I’ve spent $1600 in medical and I want to make sure I’m being billed a surplus amount. Edit- I’m 29F from Texas and I’m insured through my job with UHC