I also recently left the medical field to pursue investing, but made the transition a bit smoother by getting my license first.

In any case, I doubt they’ll raise your rates on a petty claim.

They also may contain clauses that limit the making of claims by one unit owner against another.  

I'd bet her car broke down, medical emergency, something like that-- and most importantly she'll tell you when she plans to pay.   

Hi Taylor,Free work in return for lowered rent might not be such a good idea.It would be Smart to go in person and see examples of the person's previous work (of the same kind you want done).I've seen (for example) gypsum board punched holes replaced that were  -->99.999% Invisible<-- and on the other hand, tub work by the same individual that was "childish" at best.I've had other instances of Handymen describing their work in various glowing terms, and according themselves with various (made up) glowing titles (master this, and certain grade experts)--claiming unbelievable past projects--who were no-shows or no-finishers.It's best to understand what the repair needs yourself, such as "Blue Board" or "Purple Board" and sealant XYZ vs just relying on statements such as I have done these for years--yes that may be true, but at what quality (if quality counts to you--it may not).You also may want to spec that you want the area left Broom Clean when the work is done, and make sure to provide a dumpster if there will be large demo taking place.Good Luck!

With the quitclaim deed, you would also have color of title -which can be helpful in paying the property taxes and for claiming adverse possession or for later quieting title.

Most systems don't deliver the efficiency that they claim because the test conditions are so different from installed conditions (SEER will be replaced with SEER2 that uses more realistic tests) and most systems are oversized.

If it is medical bills we tend not to care as much as long as they are paired with someone with better credit etc.So not super black and white on this issue and maybe why you are finding it hard to get specific answers.  

Those who attacked Jim and called him a racist remind me of the ridiculous character played by Stephen Colbert a few years back who claimed that he could not see color - to the point where Colbert's character claimed he did not know if he himself was white or black. 

Another big one is the ATMs of smaller banks sometimes would not have deposit capability or they claim you can deposit your checks at any ATM in their co-op network.