1. I imagine that 1 and 4 would be criminal, specifically fraud.
2. We are struggling to process even low level criminal misconduct and plenty of that goes completely unpunished, so this is very much an unsolved problem.
Sadly, our society is extremely dependent on most people acting in good faith.
Staying calm and persistent is probably the best you can do, but the return on investment might not be worth it.
Assuming this is the US, small claims court.
1. I imagine that 1 and 4 would be criminal, specifically fraud.
2. We are struggling to process even low level criminal misconduct and plenty of that goes completely unpunished, so this is very much an unsolved problem.