We got a bit stodgy at Carrot for about 18 months as we had growing pains, but we've worked crazy hard the past 6 months to build up our teams, hire a world-class COO (she started 2 weeks ago and already making a huge impact) and we're going to be innovating more in the next 2 years than we did in the previous 6. 

She will be an constant pain in the rear client who will blame you for everything and then leave you a bad Google review.

After scouring the City of Pismo Beach's painfully vague website, I've noted a few pieces of information which you may find to be helpful.

First the underwriting process was painful and a huge waste of my time.

@Matthew DrouinPeople having 50 different retirement vehicles so when they turn 60, they can travel the world in their wheelchair with back pain and arthritis lol.

The drive down from the norther parts of Lake Lure, for example, is a long, slow, twisty pain in the neck.

Unless these were just a brief growing pain and you are now running a very profitable business in REI.

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

Richmond has many neighborhoods that have been enjoying revitalization, but not without pain points.

JaimeWhat is your financial pain threshold on this?