People gave their advice here. I gave mine on the original post.

Please don’t take any offense to this, but it sounds you are in over your head. And that is fine. We all have to learn and this type of thing can be overwhelming.

Given this I would get in contact with the institution that is managing your Roth IRA. If you want to go with someone else I suggest Fidelity or Vanguard.

The rep should be able to guide and educate you in your options on how to rollover your funds. Also in particular how to recover your withheld taxes. They are equipped to do this since it is their profession. Much of it will just be what many of us are sharing. But talking to a person over the phone and having them be your side to have a shorter feedback loop can be what you need to get this done confidently.

What aspects of your QoL do you feel is lacking?

Why are you saving?

What are your financial goals?

How does addressing your current QoL issues affect your financial goals?

Bummer. Only other thing I can think of is if you received some sort of confirmation of the transfer.

As for the collections, you can ask them to validate the debt. They must give proof that your debt is valid and belongs to you. The proof may give insight on the state of the utility account, like if its just your name and SSN or if it also includes your roommate. If the collection’s can’t provide valid proof, then they can’t legally collect. You can tell them to kick rocks. From there, you can contact the credit agencies to remove the invalid collection mark on the report.

I see. How are you still liable if the account was transferred to the roommate and your name came off the account?

What do you mean by transfer? Like called up the utility company and have the account transferred to their name and yours removed? Or did you just give them access to the account under your name?

Regardless, the account should have been closed, and your roommate could have open a new one. This can all be done within the same business day.