Do you have an attorney representing you in your foreclosure? You really need to discuss this with him/her. Otherwise, you should consider hiring one soon. Does your agreement with the bank allow for an assignment of rents? They may be trying to enforce what you already agreed to. Speak to a qualified attorney in your area.
Hold on! What is the infringement case about and is it a valid case? How much is the demand? Keep in mind there are a lot of people being threatened with lawsuits from copyright trolls over thin claims or even nonexistent claims. Speak with a qualified lawyer in your area asap before even thinking about BK.
Contact the collector and dispute the debt. Ask for information about the specific medical bill, so you can make sure it's not one you already paid. Also dispute any information about this account you believe to be reported inaccurately on your credit report by sending a detailed letter to each of the credit bureaus. If you don't get the results you seek, contact an FCRA attorney in your area.
You would need to file a lawsuit against your ex-tenant and serve him/her with that lawsuit before you can obtain a judgment. You should meet with a qualified landlord tenant attorney to discuss your options. You also need to determine if your ex-tenant is collectible, should you decide to sue him. Also, if you are holding a security deposit, don't just assume you are going to pocket it. There are statutory notice requirements that you must abide by prior to making a claim on it.
Before you have an attorney come in on this, send a written dispute letter to Experian detailing each inaccurate account and the reason for its inaccuracy. If the disputes are not resolved to your satisfaction, then contact a consumer attorney in your area. Go to naca.net and do a search in your state. The written dispute letter will often resolve credit reporting issues, but not always, so keep a record of all your communications with Experian.
Sounds like you've already gone through the dispute process. Speak with an FCRA attorney in your area to review your dispute letters to see if they properly detailed the substance of your problem. If you have a viable claim, most FCRA attorneys will take these cases on contingency.
You've provided nothing to indicate that this would be a "class action" suit. You may very well have an individual claim against FIfth Third, but you have to start by disputing this inaccuracy to the credit bureaus. The credit bureaus will, in turn, forward the dispute to Fifth Third to investigate and correct or delete as necessary. The credit bureaus must also conduct their own reasonable reinvestigation on this. If yo do not get satisfactory results after your written dispute, you should...
As long as the tenant is not the mortgagor or an immediate relative, the tenant is protected by the Protecting Tenants at Foreclosure Act (PTFA), which will allow the tenant to stay until the end of his/her lease, or at least 90 days if there is no lease.