Kripler68 wrote:Just a word of advice on the Apartment (non-payment).
Always pay the rent in full all the way up until the point you move out
If you have an issue after moving out, take them to small claims court for any damages you might have incurred or money you are owed.
A judge will not see you're side if you did not keep up with payments and you're credit score will suffer significantly for the next 7 years.
This depends entirely on where you live. I'm in Chicago. If you pay a landlord, you have zero chance of ever getting damages for failure to provide a livable space. On the other hand, the controlling ordinance allows you to deduct actual damages, and reasonable reductions in rent based on quality. (So, if you're without heat for a week, you can deduct the cost of the space heater you had to buy, and the electricity to run it, plus a 'reasonable sum' for reduction in livability. Or you could decamp to hotel, and deduct the cost of that.) A landlord that sent that to collections would have his ass handed to him by a municipal court. (I speak from experience. Settlement paid for a trip to France...)
Practice other places will vary, of course, and everywhere will require that you followed the right procedures. (Which probably include complaining in writing.) But there's no good reason that you should pay the market rate for a place that's not in livable condition.