u/1Cubbiesfan

I have a fairly new home build and I recently had a plumber come out for an issue I was having and they noticed another issue while they were under my house. Said that the way this thing was done had been against code for many years. Quoted me $8000 to correct the issue.

I reached out to my homebuilder who argued with me that it was fine the way it was done and that he did not like the guy that I called anyway.

I feel like even if I get my homebuilder to fix the issue where I don't have to pay for it myself, that it will be fixed half-assed.

If I were to call code enforcement and report the problem, would they come after me or would they go after the homebuilder and make sure it was done right?

I've always had the mindset that getting a home equity loan for debt consolidation is a bad idea, but I'm starting to waver and want to get some opinions.

A few details. I have a newer home that is completely paid off and is estimated to be worth about $300k. I have a total of 5 credit cards/loans that have a total balance of about $20k and I have 2 purchases that I have to make in the next month that will total around another $10-12k. If I got loans for those, that would make 7 accounts.

I could probably get by with a $25k loan and pay cash for the rest and only have 1 payment a month and cut my bills by 50-60% a month.

I also have 2 vehicles that have to get replaced, as both are over 250k miles and starting to cost me more than they are worth.

Having to get different vehicles is what's driving my decision to look in to consolidating the other debt with a home equity loan. I could just get a personal loan, but the payments on that will be much higher and won't leave me the cushion I want every month after I get the cars replaced. I will be buying used vehicles, so that comes with a risk along with the lower payments.

Anyone have an opinion?

I am wanting to switch carriers to T-mobile, but I am currently with ATT prepaid. According to T-mobile, ATT prepaid is not an approved carrier to take advantage of TMobiles current incentives. I need to migrate my account to ATT postpaid first and then switch to T-Mobile. I know I don't have to sign a contract when I migrate, but is there anything that would prevent me, on the ATT side from migrating and then immediately switching carriers a day or two later?

My water bill has been on the rise for the last 4 months.

First month was about $10. Spoke with the city and they advised that their data log showed I had a small leak. I found that the toilet tank seal in one of my toilets wasn't seating properly, so I replaced it.

Second month bill went up an additional $10 over the first months increase. Spoke with the city again. Still showing a leak. I called a plumber and had them come out. Spent about an hour searching and found no issues. Even had them double check my work on the tank seal. I went back to the city and they still swore there was a leak.

Third month bill went up nearly $30 more. I called a second plumber and had them come out. Told them everything that the first plumber checked and had them recheck everything. They spent nearly 3 hours going through my entire property, crawl space and all and found no active leaks and no signs that there have ever been any leaks. I have a whole house shutoff inside my utility room, so we shut the water off and I had them go to my meter and check my meter. They said that the meter showed no signs of a leak on the house side.

I've gone back to back to the city and asked what can be done and I've been told that it is my responsibility to find and fix the issue, not theirs.

Just received my fourth bill and the bill which is usually around $100 is now almost $215. Seemingly the leak that they say I have is getting worse, but no one can find it.

I've requested a new meter be installed, but according to the city, that won't fix my problem, so it's pointless to even do.

I'm lost as to what to do next, short of speaking with an attorney.

It appears that the Better Value plan is a better option than the generally more expensive Experience More plan right now, for 3 lines. Everything appears to be the same, except you get Hulu for free on the Better Value plan. Can anyone see why this wouldn't be a better deal?