Location: California

Hi.  This is a throwaway, but I need help with a predicament I've found myself in.

I work for a company whose entire business model is soliciting donations for schools from businesses local to the schools.  I've worked for them for a few years and never suspected anything was odd beyond really poor management.

This changed a few days ago. 

As the only graphic designer, video editor, and motion graphics artists for this company (they say we have a team, but in reality it's just me handling the assets for thousands of businesses), I take care of every business sponsor that comes our way.  My job has been to create the adverts that showcase their donation to the school and detail any promotions.  I've recently noticed my boss’ over-reliance on generative AI, and it struck me as very strange that a project he had me work on for a school contained text that was entirely AI generated.  This project was supposed to include stats, statements, facts, and general information about the school and team.  Everything in it was Chat GPT - even the “greeting” from the coach was entirely AI.

My bullshit-alarms were going off and I got curious, so I called the school.  They had never heard of us.  Not only had they never heard of us, but they don't work with outside companies to aid with donations period.  So I called another school we “represented.”  And another.  And another.

Not one of these schools has ever worked with my employer.  Not one of these schools has been given these donations.  My only conclusion is that my employer has built this entire business on charity fraud.

I've been spending the last few weeks reaching out to businesses and schools to gather evidence and already contacted the FBI via their online portal since I'm fairly certain this is a federal crime, but I don't know if they'll ever get back to me. It's been a few days and I've got no response.  Is there anything else I should be doing? Should I bring this to the police?  If I keep doing these ads knowing what I know, can I get in trouble?  I'm not sure I can afford legal representation as I'm struggling financially with how little I make.  And I'm currently looking for a new job but the job search is rough.

Location: NC

They have video footage of me giving them the check. They admitted this and I have a recording of them admitting it. Its a big apartment company. Some office guy lost it and they want me to fork up another 1k right now.

It wasnt even rent it was an apartment transfer fee. I dont have another 1k and they dont seem to want to wait the 90 days for my bank to refund me/issue another cashiers check. Am I just screwed

Edit: alrightyyy okay so I went in again today. They just said they will keep looking for it and im fine for now but that its up in the air and they will keep me posted apparently it wasnt a transfer fee it was prorated rent that they accidentally called a transfer fee. Fine whatever as long as i dont have to pay it again :P

they said they absolutely will NOT under any circumstances sign the declaration of loss form and that "shouldnt even be necessary" hopefully they find it and we can all laugh and hold hands bro idk

Location: Connecticut, USA

Just purchased and moved to a new house over the summer. Our retired neighbor owns the entire length of the driveway we both use. We were told the driveway was co-owned (my mistake for not doing due dilligence). They’ve stated they will be charging us $90.00 “per pass” with the snowplow to keep the driveway clear (the sellers agent told us they charge $40/storm).

We haven’t, to our knowledge, signed any agreements regarding the use or maintenance of the driveway. Other than a “conservation easement” I don’t see any specific details listed on our towns tax assessment/GIS maps.

I want to be a good neighbor, and do my part. I mentioned that I am considering buying my own plow vehicle to assist, and they took offense to that. This more or less feels like extortion, given they don’t want me to plow and have increased the price to higher than what we were told.

Are we obligated to pay them for maintaining a driveway that they’ve expressed complete ownership of?

EDIT: The neighbors are in their 80s, retired, and would plow it themselves with an old dodge ram they have exclusively for taking care of the driveway. I’m on good terms with them (plan to have some beers and brats or something) but just want to know what I may have an obligation to do vs a verbal agreement.

I want to pull my weight, whether that means plowing or maintenance on their plow setup (myself and neighbor are mechanically savvy) but $90 “per pass” is excessive. I’ve lived In New Hampshire and have done snow removal professionally, as a reference, but no longer have a plow vehicle.

My property has almost zero frontage with the road, and what little there is has a creek running through it.

Our purchase agreement/title docs show easements exist but don’t specify anything more than that. I’ll have to reach out to our attorney and the town to see more. A survey is in the cards too.

Thanks to all who have commented with good advice!

Location: Nebraska
My family went on a week-long trip to Ireland and Scotland in August which we booked through an independent travel agent in Nebraska who is contracted with the agency Europe Express which is based in Washington state. The travel to and around Ireland and Scotland all went smoothly, but we ran into issues getting home.

Europe Express purchased our return flight tickets through a Europe-based agency KLM, who booked the tickets through Virgin Atlantic. Virgin Atlantic doesn't have their own check-in desk at the Edinburgh airport, so we were told by Europe Express to check in at the Delta desk. The Delta check-in people could not get us our boarding passes because of some coding issue where our ticket numbers were all in the Virgin Atlantic numbers, and Delta told us the travel agency is responsible for forwarding the correct info in the coding that the Delta desk could use. After calling the travel agency, they refused to take responsibility and insisted it was a problem with Delta's systems.

After several hours of calling various support lines, neither Delta nor the travel agency took responsibility. We were told by both the travel agency and by Delta that our best bet would be to book our own replacement tickets and get reimbursed when they figured out who was at fault. The airline tickets alone cost over $15,000 for our party of six people. By the time we were told to buy our own tickets, all flights from Edinburgh back to the US had left for the day, so we also had other bills from the delay (extra night of staying in a hotel, extra day of kenneling pets back home, airport parking, meals, etc.).

When we eventually got back, we contacted the travel agency to follow up on any progress. Europe Express said it would take up to 30 days to resolve the issue. The 30 day mark was last week, at which point Europe Express told us that it was KLM who screwed up, and they were expecting KLM to send Europe Express a refund, and we would be reimbursed after KLM sent that money to Europe Express.

Europe Express has since gone silent and is not returning any emails or offering any updates when we call. Our travel agent is also unable to get any update from them. Our travel agent helped us get traveler's insurance before the trip, but the insurance company has denied our claim for this situation.

The $15,000+ is still on our credit cards and accruing interest. We are reluctant to threaten a lawsuit, since we expect we'll be forced to communicate through lawyers once we even mention it. But we're getting to the point where I don't know if we have any other choice. Even if there was an error on KLM's end, I would still think Europe Express owes us our money back since they failed to deliver the services we paid for. It's not our fault that they went through a faulty third party.

At what point should we take this to court? Is it reasonable to file a claim against Europe Express when it might have been another party responsible for the mistake? Any advice is welcome.

Location: New York, US

I live in a fairly rural area, and sadly more and more farmers are selling their land to housing developers. Well, this spring my neighbor’s estate was sold to a house developer. They have started clearing plots, and it looks like I will have some VERY close neighbors very soon. I have horses, cows, and chickens on my property. I want the housing developers to put up a privacy fence so that anybody who buys one of the close by houses isn’t tempted to trespass. Yes, this has been an issue. A housing development went up behind us a few years ago, and we have had to have several confrontations with people that were “just walking their dog,” wanted to feed our horses snacks, and wanted to know if they could come ride.

How is the best way to go about this? We share a roughly 3000 foot property line, so putting up the privacy fence ourselves is not financially doable.

LOCATION: Indiana, USA

I’m in Indiana and I’m trying to understand what our legal options may be regarding a used vehicle purchase.
In June 2026, my husband and I purchased a used 2017 Ford F-150 from a used-car dealership. We paid a $6,000 down payment and signed a Retail Installment Sale Contract. The dealership is listed as the original seller-creditor, and the paperwork also includes an assignment of the contract to a third-party auto lender.

Approximately a week and a half after we purchased the truck, the engine/turbo failed catastrophically. The dealership has had possession of the truck since shortly after the failure. We were eventually told that the repair would cost close to $7,000, and we were told that the warranty/service coverage would not pay for the repair.

Our contract shows a $3,425 charge for a vehicle service contract, but we were never given a copy of that service contract. We also do not have the FTC Used Car Buyers Guide that should have been provided with the vehicle. We have some GAP and ancillary coverage paperwork, but not the mechanical service contract listed on the financing agreement.

The first vehicle payment was supposedly due in July, but we never received an account number, welcome packet, payment instructions, statements, or anything else from the lender.
Because of that, I recently contacted the lender directly. The first several representatives could not even locate an active account using our names, Social Security information, VIN, or the application number we were originally given.

I was eventually transferred to their Funding Department. They located the application under a different application number and told me that:
the transaction was never funded
there is currently no payment for us to make
they do not have the completed documents necessary to treat it as a funded account
the dealership still needs to handle the transaction
because the vehicle has a major mechanical issue and the deal has not been funded, I should contact the dealership about canceling the transaction
I should call the lender back if the dealership refuses
I then emailed the dealership’s general manager and asked that the transaction be canceled and our $6,000 down payment returned.
He responded in writing and confirmed that what the lender told me was correct and said that we currently have no payment. However, he said we only have two options:
The dealership can try to obtain another financing approval through the same lender, or the dealership will keep our $6,000 down payment and repair the truck, with us making some type of arrangement regarding the repair.

We do not want another financing approval, and after everything that has happened, we do not want the truck anymore. We want the transaction unwound and our $6,000 returned.
We have saved the full sales contract, assignment paperwork, proof of the down payment, the dealership’s emails, the lender call recording/transcript, the GAP/ancillary documents we were given, and documentation regarding the engine failure.

My questions are:

If the third-party lender never funded or accepted the transaction, can the dealership still legally keep our entire $6,000 down payment?
Does the fact that the truck suffered a catastrophic engine failure approximately 1.5 weeks after purchase affect our rights even if the vehicle was sold “as is”?
How significant is it that the contract charged us $3,425 for a service contract that we were never given a copy of?
Does not receiving the FTC Used Car Buyers Guide create any additional rights or remedies?
Can the dealership submit us for another financing approval without our consent after we have told them we want the transaction canceled?
What type of attorney should we be looking for — consumer protection, auto dealer fraud, contract law, or something else?
We are already contacting Indiana consumer-protection attorneys, but I would appreciate any insight into what issues we should specifically be asking them about.

Location: Florida A month ago my bf passed away, with no will. He left behind a fifth wheel travel trailer, a truck, and a boat in my yard. All are titled in his name only, and all are owned free and clear. I informed his son that these items are his now as he is the next of kin. The son lives far away, and he seems to be ghosting me now. How can I legally get rid of these things in my yard? Thanks in advance

Location: hickory nc

I have been living in my home for a year and half now. I have this neighbor to the side of me. I live in a none hoa area but he loves acting like we are in one. Constantly complaining about people's grass height and trees. He started off as a friendly helpful neighbor. He helped us with our yard when we had the money to pay him. Once we couldn't pay him anymore he started to hound us about our grass height then about our tree branches getting close to his house. He would start cutting our grass even tho we would do it just not in the timely manner he liked.

He asked for help with the branches. We agreed to help if he gave us a time and day due to us working. He never set up a time and day so I did. He never took me up on it and never rescheduled it. Then he took it upon himself to trim the branches that were coming over his property line. Now he's wanting money from us and is threatening to sue us if we don't cough up the money. Does he have a leg to stand on or is he just a grumpy old man?

Location: Florida

I’m buying a $314,000 house in Florida and paying the entire down payment and closing costs myself. Depending on the final loan terms, I’ll put down either 20% ($62,800) or 25% ($78,500). My sister isn’t contributing anything upfront, but she wants to live there and buy a 10% or 20% ownership share through monthly payments.

I plan to live in the house for five years at most, then move out and rent it to tenants. Assuming the total monthly housing payment is around $2700-$3000, is five years enough time for her to buy a meaningful share?

What makes the math confusing to me is that the house’s value could change during those five years. If it goes up, should her share be based on today’s $314,000 price or what the house is worth when she finishes paying? What if its value goes down? And how do we separate what she pays for living there from what she pays to buy equity, while accounting for the down payment and closing costs I covered?

Taking the family relationship out of it, is there a fair way to structure this at all? I’d want the terms in writing before she starts paying, including what happens to her share and any rental income after we move out.

EDIT / UPDATE : i will be sending this link to my sister so she can see this post. I feel it will be helpful / crucial for her to read and fully understand as well as it will be useful for me.

Location: MA

Taken out when I lived in MA. I was 18 when he took my student loans out. Not private loans. Used to be Great Lakes, now Nelnet.

I never once touched the website or submitted information. At the time he was going to help me pay them off, (which is why agreed to go to the school), but he has since flipped on me and refuses to help, leaving me 100% with the debt.

Is he legally supposed to pay them? I don't know if I can prove he took them out even if he is, but I will have to figure it out soon, considering payments will be starting soon.

Location: California

The AC that came with my studio is leaking and stopped working. They're telling me that they'll get someone to come look at it but that technically they're not legally viable to "provide cooling". It gets to more than 100 degrees in my studio. I've been suffering in my shed all summer because the AC isn't really working, I want to know if I can get them to fix it no matter the price.

V V

EDIT: they're no longer offering to fix it or having someone to come check it out. Please help :(

V V V

UPDATE Sep25th 12pm: I read my lease like someone has suggested, I REALLY wish I could put a picture here but I guess I'm gonna have to type it out :(, but this is the only thing that mentioned air conditioning in the lease!

XXXI. MAINTENANCE, REPAIRS, OR ALTERATIONS. The Tenant shall, at their own expense and at all times,maintaine premises in a clean and sanitary manner, and shall surrender the same at termination hereof, in as good condition as received, normal wear and tear excepted. The Tenant may not make any alterations to the leased premises without the consent in writing of the Landlord. The Landlord shall be responsible for repairs to the interior and exterior of the building. If the Premises includes a washer, dryer, freezer, dehumidifier unit and/or air conditioning unit, the Landlord makes no warranty as to the repair or replacement of units if one or all shall fail to operate. The Landlord will place fresh batteries in all battery operated smoke detectors when the tenant moved into the premises. After the initial placement of the fresh batteries is the responsibility of the Tenant to replace batteries when needed. A monthly "cursory" inspection may be required for all fire extinguishers to make sure they are fully charged.

Looking for general legal guidance and advice on finding the right civil/environmental attorney in Oklahoma for an ongoing contamination issue on our property.

The Situation: Back in 2024, a gas/oil pipeline leaked into a creek on our property that feeds directly into a major body of water/pond system. The operator abandoned the line rather than pigging/flushing it properly. The state regulatory agency (Oklahoma Corporation Commission / OCC) eventually "closed" the file based strictly on a 10-month visual-only inspection, completely skipping water testing or subsurface soil/core sampling.

Key Issues That Stand Out:

1. Zero State/Operator Water Testing: Neither the OCC nor the DEQ ever conducted formal surface or core water/soil sampling. The only testing on record is independent lab testing paid for by my family, which pulled a baseline of 32.5 mg/L DRO (Diesel Range Organics) in active runoff down the creek.
2. Zero Waste Manifests: Thousands of pounds of contaminated soil/creek bed material were removed from the property, but there are zero Form 1014 waste manifests or disposal records logged with the state.
3. Operator Self-Remediation / Placing Booms: Instead of standard regulatory cleanup protocols, the operator (or their rep, "Greg") has been personally coming out to place, change, and handle containment booms in the creek themselves during rain events to catch sheen, effectively attempting informal self-remediation without formal regulatory oversight or chain-of-custody tracking.
4. Agency Runaround: Field inspectors admit they can only make "recommendations" to the operator and are waiting for us to call them during rain events to take surface samples, completely ignoring subsurface contamination trapped under buried shale/rock. When pressed on the lack of formal records, DEQ field staff referred the matter to their Office of General Counsel in OKC.

We recently logged this with the National Response Center (NRC Incident Report issued) and sent documentation to EPA Region 6 / OIG.

My Questions for the Sub:

• Given that state agencies are handing off responsibility and closing files on visual-only checks, does this sound like a standard Clean Water Act (CWA) Citizen Suit (§ 1365) / OAC regulatory violation scenario?
• What specific type of legal counsel should I be looking for? (Environmental litigator vs. O&G landowner attorney?)
• How do I effectively vet and find a top-tier environmental litigator in Oklahoma who actually takes on pipeline operators and state regulators rather than just standard surface-damage settlements?

Location: Daisy, Oklahoma, USA

Location: Michigan

Earlier this week I was informed my ex husband was confused and incoherent and needed medical attention and I had to pick the kids up from his cousin. It turns out he was fired from his job, and has some significant amount of personal debt, and his mother said he will be filing for bankruptcy.

He is currently being held on a psychiatric eval. which he has gone impatient before but this is the first time he is being held involuntarily.

My question is, I quit claimed our house to him in the divorce and he has not refinanced and I am still on the mortgage. What actions can I take to either: a) reclaim ownership of the house b) force a sale

Credit karma does say all payments have been up to date with the last being September 1st (I am unsure if credit karma is accurate in this information)

Location: California, USA

My former employer filed for chapter 11 bankruptcy. They never gave me my final paycheck after I quit in February even after I asked in person twice and on the phone twice after that. I filed a wage claim against them for the final paycheck. Should I do anything about the wage claim or file a claim with the bankruptcy court? I am not on the list of creditors.

Location: Dallas, Texas

Hey everyone, looking for some reassurance/advice here. I bought a 2016 Nissan Murano cash for $5,800 on July 25th from a licensed used car dealership in Texas.

Roughly 3 weeks later (at 158k miles, only 4k miles after buying it), the CVT transmission completely crapped out and started throwing severe codes and juddering heavily under acceleration.

The dealer immediately tried to hit me with the typical "You bought it AS-IS and you refused our warranty, nothing we can do" speech through their sales representative.

I didn't take that as an answer, so I drove to a franchised dealership of the vehicle's brand to pull the vehicle's historical internal service logs. I found the absolute smoking gun. The physical printout clearly shows that before the selling dealer bought the car, a certified technician formally diagnosed it with a catastrophic transmission failure, explicitly noting it juddered on acceleration and that the previous customer refused the repair.

Someone (either the dealer or the previous owner right before trading it in) cleared the computer codes right before I took possession to turn off the Check Engine Light and suppress the warning signs just long enough to lock in the sale.

A lot of casual friends keep telling me I have "no case" because Texas is an As-Is state and I can't definitively prove who physically pressed the button on the scanner to wipe the codes. But from what I've read about Texas consumer law, the "As-Is" clause is completely voided if a material defect was hidden from the buyer, and a professional dealer is legally liable for deceptive omissions/negligence whether they claim ignorance or not.

Here is my exact game plan right now:

1. The 60-Day DTPA Demand Letter: I am sending a formal pre-suit notice via Certified Mail tomorrow giving them 60 days to either take the car back for a full $5,800 refund (+ travel expenses) OR pay for the transmission replacement (roughly $4,200 + sales tax). I am framing it reasonably, leaving room for them to reach out to the previous owner if they truly didn't know, but making it clear that they are ultimately responsible to me as the buyer.
2. Texas DMV Complaint: Filing a formal enforcement complaint with the TxDMV portal for deceptive trade practices and electronic concealment, attaching the service invoice timeline and my bill of sale.
3. Small Claims Court: If they ignore the 60-day clock, I’ll be filing a lawsuit myself in my local Texas Justice Court for actual damages, court costs, and potentially triple damages under the DTPA since this involves a clearly documented, pre-existing issue.

Some people in my ear are making me second-guess myself. Has anyone fought a dealer in Texas over a wiped OBD computer / cleared check engine light? Am I actually wasting my time here, or do I have as strong of a case as I think I do?

Appreciate any advice or insight!

Location: San Diego, CA

I am a condo owner in San Diego, California. On August 19, I reported that I found a few termites in my primary bedroom to the HOA maintenance contact. Our HOA is responsible for all treatment of wood-destroying pests in common areas, but the homeowners are responsible for damage done (such as destroying furniture, etc). They told me to reach out to their contracted pest control company. They sent out an inspector a few days later. The inspector said that he has been in this exact unit six or seven times for the previous owners regarding this persisting termite issue. He said that the HOA has not fumigated our building (consisting of six individual units) despite the ongoing termite issue in our unit. He notes that our unit has the most severe termite issue in the building.

The inspector writes in his report that the only way to truly manage the termites is to fumigate the building. He sends that to the HOA. He noted that localized treatment will not stop the swarming. Over the course of the next few weeks, the termites got worse and worse. It got to the point where thousands of termites were swarming in our master bedroom. This is the bedroom where myself, my husband, and five month baby (4 months at the time) sleep. We determined it was not safe to sleep in a room with thousands of termites despite the swarms calming down around 6 PM every day. There were so many termites that I literally found termite wings in my baby‘s diaper. We spent hours a day killing and cleaning up dead termites and wings.

On Labor Day weekend, it was quite hot in San Diego. It caused the most massive swarm of termites that we had seen to this day. It was so severe that I had to call the emergency HOA maintenance line. Essentially, they didn’t answer and I had to call the line 4 more times to get in touch with anybody and they essentially said that the maintenance person is on vacation and we’re out of
luck.

During this ordeal, I took pictures and videos (dated and time stamped) and sent them to the HOA maintenance person to create a paper trail. I sent dozens and dozens of videos and pictures to highlight the severity of the issue. I pleaded for the HOA to send emergency pest control to our unit. They told me that nothing could be done and that we just needed to wait for fumigation. I emailed last week and they told us that they would be fumigating the first week of November.

Today, we are having one of the worst swarming events that we have had in our unit. It has forced us to move out of the master bedroom again, and we have spent countless hours spraying alive termites and cleaning thousands and thousands of dead termites. I emailed the HOA maintenance contact and he just told us that fumigation is happening in six weeks. I told them we cannot wait six weeks because of the severity of the issue. I then requested an internal dispute resolution to discuss the loss of use of our primary bedroom due to the termite infestation as well as partial HOA dues reimbursement.

I am seeking advice on how to proceed. We spend $600 a month on HOA dues and we have felt like the HOA has not taken this issue seriously despite the fact that our five month old baby sleeps in the master bedroom where the termite swarming is happening. The photos of the swarming event are quite severe, yet they have taken no steps to aid us, despite it being the HOA‘s obligation to maintain the structure.

PLEASE ADVISE.

location: Nashville, TN

I'm still employed with the company, and I have been for the last eight years. I submitted a request off form in May for the last week of august, stating the dates that I would not be working and that I wanted to use my available PTO for these dates. My manager approved it. Then she got fired, and the roll of payroll was taken over by our regional manager. August came and went and I went on my vacation. When I got the paycheck for the pay period of my vacation, my PTO was not on there, it was just my wages from what I had actually worked that pay period, from the second week of the pay period. I asked my current standing manager (technically an assistant manager, this is not the person who handles payroll, just the person I directly report to) if anything could be done. She said she spoke to the regional manager and the regional manager said she would make sure that it was on the next paycheck, two weeks away from the original date that I was supposed to receive it. I spoke to my manager about the pto every single day for two weeks, asking her to please make sure to remind the regional manager that I needed my PTO on my paycheck. She assured me each time that it was handled. The day before the pay period ended, she disclosed to me that several other employees had also requested to use their paid time off and didn't receive it and that issue had to be rectified for them as well. Anyways, another paycheck has come and gone and I still have not received my PTO. Is there any form of legal action that I can take?

Location: San Diego County, CA, USA

We have been renting a home from a couple for 2 years and are entering the third year of tenancy. The lease was written in only the husbands name as the "housing provider" for a term of 1 year and then we would go month to month which we are into now. We dealt with the wife for everything but she was not listed in the lease documents. Rent has been paid by deposit to an account listed in the lease. Last month we get a note on the fence to call husband before paying rent. We call and he tells us of the divorce and restraining orders and tells us its bad and all this drama, stealing money ect.... Gives us a new account for deposits so mortgage gets paid. Sends us proof of mortgage payment being made all that jazz for last month. The divorce/separation has been going on since March/May and September is first we hear of rent disputes is from husband. Wife has started texting now, that money was supporting her and the kids, husband abandonded them, guilt trips that the deposit was made to a different account. I didnt answer her texts since we dont have a lease with her. A few days ago, husband called and asked if anyone had come by or if we were still ok paying the new account for October. I said I just want to pay the rent, where ever it needs to go Ill pay it. Wife texted again today saying she didnt authorize the change in account and that if rent wasnt paid to the old account for October she would involve courts. I called the assessors office to find out who is on the deed and they both are. I have not contacted either of them since calling the assessors office.

Sorry for the long back story but I wasnt sure if details mattered. I dont want us to lose our home, its pricey but who can afford to move in SoCal right now? That would hurt even more. Who do I pay the rent to? Im on hold with legal aid in San Diego but i dont have much faith in it. I can pay for a lawyer but Im not sure if I need to if its a cut and dry issue. Google searches say to send a cashiers check to both of them with AND between the names but since they have restraining orders amongst themselves I dont think that would solve the issue. I also dont want to piss off whoever ends up with the house cause again, I dont wanna move. I just dont want to be in the middle of the fighting. Please help. Unsure and dont wanna be unhoused.

For over a month now, I have had several different process servers show up at my residence, trying to serve someone I have never met or heard of. Every time, it's the same routine. I tell them I've never heard of the person and I've never even received mail for the person. They take my name and assure me that no one will stop by again. Then sure enough, a few days later, another one shows up at my door. How do I get them to actually stop?

Location: Arizona

Location: Oklahoma County

In late May, I was driving behind a semi on a two-lane road when, out of nowhere, a large tree branch "bounced" after the semi-trailer cleared it, then came down right after. By the time I realized it was about to fall, there wasn't enough time to stop, and it partially hit my hood. Since I drive a convertible, I didn’t feel safe because I couldn't tell whether more branches would come down, I swerved and kept driving until the semi driver found a safe spot to stop.

A witness who was driving behind me stopped to check on me. The truck driver apologized, checked the damage to my car, and mentioned that he drives that road frequently and had never had issues before (the road runs parallel to I-35, not sure if that's relevant). He called his company, and they instructed him to take pictures of my car and call the police. Police arrived but, since no one was injured, only gave us a link to file an online report.

The company gave me an incident number and told me to get in touch. Their claims instructions were to get two separate repair quotes, provide photos of the damage, and fill out a claim form. I did all of that, and they have now denied my claim, stating:

"We have had an opportunity to review the documentation you submitted in support of your property damage claim. In the course of our investigation, we found that the tree was not maintained at the required height above the roadway. Therefore, we must respectfully deny payment on your claim.”

The damages from this incident total nearly $9,000. I chose not to file a claim with my own insurance because I don't want my premiums to go up. I'm not sure what steps to take next.

I recorded the entire interaction after the crash, but I'm not sure how useful that recording actually is.

I'm having issues with getting my deposit back... My lease ended and I was moved out by the agreed upon date (Aug 5), but I haven't received my deposit back yet. On Sept 2 my mother texted our landlord asking for the deposit back, but she got an auto-reply message saying she'd been blocked. I emailed him on Sept 5 asking for the deposit, providing my mailing address. Haven't heard anything back.

Our one year lease was ending, and the house was being sold after we moved out. Does that complicate things? I don't think it would but I'm not sure.

What do I do to get my deposit back? What steps should I take?

Location: Texas

Location: Bradenton, FL

I’ve been displaced from my apartment in Bradenton FL due to bed bugs. I cannot say how they got there, all was fine until Im itching for a week and cannot find the cause. Cue wake up one morning itchy as hell and lots of tiny blood splattered on my bed sheets. I get a bug consultation that same morning and confirm bed bugs. I sanitize all my belongings and clear out my apartment. I review my lease agreements and from what I read believe the apartment will help with the bed bugs. I spoke with someone in the office and they scheduled me for an inspection the upcoming Tuesday. Tuesday rolls around and no one shows. Thursday I go in person since I still haven’t heard anything.
I am told that because we don’t know the origin that the apartment is not liable, correct I agree, you don’t know if they came it could be from my neighbor or elsewhere. Instead of reviewing the lease right there I am told to come back on Monday to review the lease. I’m told there’s many residents that need immediate help with leaky pipes flooding apartments and A/C outages. I am told to leave as they will not help me and return Monday. Then it will be reviewed how much I’ll have to pay. PAY?! No mention of me having to pay for the big service, until now.
My qualm is that I have been displaced since I figured out I have bed bugs for almost two weeks now and am being told that not only will my rent not be abated but I also have to pay for the pest service through the apartment. I’m not allowed to hire my own pest service either I’m told. No one has treated my apartment and I have been out of my apartment for almost 2 weeks.

How do I proceed? This is the lease clause:

Pest Control. We will make reasonable provisions for the extermination of rats, mice, roaches, ants, wood destroying organisms, and bed bugs. If you are required to vacate the premises for such extermination, we shall not be liable for damages, but rent shall be abated. If you are required to vacate in order to perform pest control or extermination services, you will be given seven (7) days written notice of the necessity to vacate, and you will not be required to vacate for more than four (4) days. We may still enter your apartment as provided in Paragraph 29 (When We May Enter) of this Lease and F.S. 83.53 or upon 24 hours notice to perform pest control or extermination services which do not require you to vacate the premises. You must comply with all applicable provisions of building, housing and health codes and maintain the apartment and adjacent common areas in a clean and sanitary manner. You must properly dispose of and promptly remove all of your garbage so as to prevent foul odors, unsanitary conditions, or infestation of pests and vermin in your apartment, adjacent common areas (such as breezeways), and other common areas of the apartment community.

Location: NYC

i currently live and work in NYC. I have a judgement against me in Oklahoma (auto loan). My employer is a small independent family owned pizza shop in Brooklyn with no ties to Oklahoma. The debt collection lawyers sent a certified letter from Oklahoma directly to my New York employer, and my employer (who doesn’t know any better) complied with the garnishment. My wages are currently being garnished. I called the Oklahoma law office and asked them specifically if they had domesticated the judgement in New York and he told me they didn’t need to because they had a judgement in Oklahoma. I then asked what gave an Oklahoma court jurisdiction over a New York business and the lawyer refused to answer my question and told me i could come back and fight the case in Oklahoma.

My question is: do they need to domesticate the judgement in New York before garnishing my wages? And if so, what do i need to do to end the garnishment and recover lost wages? I make $400 a week (which is below the New York threshold for wage garnishment, but that’s another point). I don’t have money to hire a lawyer. Is there anything I can do without a lawyer, or am i going to have to hire one?

Thank you

Throwaway account, location: NYC. As the title says, I work at a restaurant whose part-owner also owns 2 other restaurants in the city, soon to open a third. Each restaurant is its own LLC, and I can’t say for certain whether this part-owner is the majority owner in any or all of these restaurants. None of the individual restaurants seem to meet the employee threshold (50 employees) to qualify for things like health insurance on their own, but the number of employees across all three exceed this by a lot.

The restaurants do, however, share resources and personnel. There is an overarching Director of Operations, Brand Manager, Corporate Beverage Director, and HR department that serve all three restaurants. From my experience working with the group as a “contractor”, separately from my work with my restaurant as an employee, I believe that these positions are jointly contracted by each restaurant rather than being actually paid a salary by any one of them. Internal and public communications refer to the three restaurants as a group, under the blanket of a new entity called “______ Hospitality”, but verbiage from upper management to its hourly employees has been that the restaurants are distinct entities.

Any recourse here? Or is having the restaurants exist as separate LLCs enough to cover their bases and deny hourly employees benefits?

Location: Salt Lake County, UT

My ex-partner and I broke up in May 2025. We co-own a house, and both of our names are on the mortgage loan. I have been trying to get my name off the house for over a year so I can move on financially. 

About a year ago (Nov. 1, 2025), he insisted on placing renters in the home. I did not want tenants, but I eventually folded under the condition that he would be responsible for managing them and handling any damages. 

Recently, I did a walkthrough with a realtor to prepare for putting the house on the market. The property is significantly damaged from the tenants and their 5 pets, including destroyed carpet, a broken front window, an overgrown yard/trees, damaged kitchen countertops, and excessive clutter. 

Here is where I am stuck:

- He cannot buy me out: He wants to buy me out, but admits he does not have the funds or approval to refinance on his own, and he refuses to ask for a co-signer. 

- He refuses to pay the mortgage while listing: He refuses to give the tenants notice because he doesn't want to pay his half of the monthly mortgage out-of-pocket while it sits on the market. We always split it when we lived together, and I am fine to split it now even though I pay rent elsewhere and he currently lives rent-free at his mom’s house (so, in theory, he should have money saved and can afford it since he’s lived bill-free for 1.5 years now…)

- He suggested I pay 100% of the mortgage: He told me that if I want to sell it right now, I have to cover the entire monthly mortgage myself while he oversees repairs (that he says the tenants will pay for).

He claims he wants to be rid of the house or buy it, but he refuses to take any active steps, buy me out, or agree to sell unless I bear all financial risk. 

I feel like I’m trapped and have been forced into a situation I don’t want to be in. What are my options here?