It is not legitimate and I do not legally owe this balance, but have been unable to get it removed from my history unless I file suit against the company.

I'm an investor, flipper, and property management company owner in central CT. 

Besides that, I have a credit repair and funding company that helps entrepreneurs get their businesses going.

Total waste of time company.

We also have interest from some new car companies that are looking at the facilities in Windsor for re-purposing to use for EV manufacturing.

I don't yet have an estimate on cost.I've never used insurance for something like this because A) I've never had an expensive repair and B) I fix most stuff myself on my Denver units.Question is: Should I file a claim or will the insurance company raise my rates so much that it makes it not worth it. 

You set your own payment terms with YOUR client and then find funding for them.The Capital Syndicate is a private lender firm that offers financing through their own company, but they also provide you with a list of about 150 other private lenders. 

Then make sure there are ample property management companies in case you'll have any attrition.

By then, you have a cash flow that can support hiring a bookkeeper.I recommend staying away from companies that outsource bookkeeping overseas.

The macroeconomics are on fire here - population growth, job growth, and companies moving and developing here.