I had it xray'd already yesterday, I work in a hospital and thought I'd check it. I'm thinking it's a combination of all things. The brakes did get moved, they locked up and we had to do immediate surgery on them to get home. The cables probably did stretch out. My son looked at it this morning to check if the wheel was bent but saw nothing obvious when he spinned it.

I bought the bike at a bikes direct franchise shop that has mechanics and assembles them. They do a good business there and offer free tune ups forever if you buy it there. I got my mountain bike at a different store that offers free tune ups for one year. I should have just ordered and bought the bike at the one I got my mountain bike at but I was being cheap. I guess that'll teach me.