Is there anything we could do that wont cause us to owe money if we break our lease a month early?

You have raised issues that could be grounds for breaking your lease. Get an attorney to help you

Can my manager change the locks on my door without any notice?

I agree with counsel. That is classic self help eviction which violates ca law

What's my next step?

Wait to see what the adjuster's estimate is and then seek advise from an attorney to assist you deal with the other party and their insurance company

Landlord sneaking in my rooms, touching, commenting, and checking the holes on the wall. Misdemeanor or felony?

This is a complex question as it has many issues attached to it. You do have right and some have been violated. Seek advise from a local attorney

I am looking to find the cost of filing a summons and complaint, I'm interested in looking to have a lawyer to handle this

The price for the attorney to do will range. You need to look around to see who you feel comfortable with and whether their price works for you

I agree with counsel. I recommend you see a lawyer rather than make unsubstantiated allegations on a forum like this

Can I open a bank account and apply for credit card or start building my credit? Can I start investing?

If you have a ssn yes you can. Why would you not be able to? Is there a fact you are omitting?

Is it possible to file a class action lawsuit against a debt collection agency?

You have a great fdcpa and rfdcpa case. Call our office. It will not cost you anything. However from the facts that you state there is no class...

Legal Advice on Should I file a claim w/my insurance company?I woke up&found my door handle not working/broke. I just fixed it.

Whether you ask for coverage to insurance company is dependent in whether the cost to repair exceeds tour deductible

Is a bank required to report a zero balance after debt settlement?

Mr Loker is right. They have a duty to report accurate information