An elderly client seeks representation in Municipal Court on July 24, 2020, at 1:45 pm. Client is being sued by a water damage restoration service company, SureKleen Restoration LLC, for over $6,000. The alleged debt is from a flood in client’s basement, which led her to hire SureKleen. Client’s insurance company, State Farm, covered the initial cost and applied client’s deductible. Concurrently, client enlisted a public adjustment company, Metro Public Adjustment, Inc., who found SureKleen’s total repair costs to be much higher. Client has no contract with SureKleen stating that these extra funds were needed. Nevertheless, Metro requested extra payment from State Farm. State Farm issued additional money for repairs and damaged contents of client’s home. Client believed State Farm’s total payments of over $17,000 covered her debt to both SureKleen and Metro, which charged 35% for its services. Client is willing to enter a payment plan, but she seeks representation to first dispute the debt presented by SureKleen, and then, in the alternative, to negotiate payments.