Since you are filing a Chapter 7 bankruptcy, the attorney fee is capped unless your case is complex enough that the court grants your attorney's motion for more fees.
With that being said, whether the trustee is entitled to seize your tax refund or not really depends on "how much you owe in unsecured debts" versus "how much non-exempt properties" you own. Since you are not a homeowner and since you are a Florida resident, your exemption limits for personal property increase from $1,000 to $...
It is very hard for an attorney to withdraw from a bankruptcy case because of the sensitive nature of bankruptcies. Therefore if you want to fire your attorney or change attorneys, you may have to push for it yourself. Ask for a hearing. Don't wait for the next hearing. But first talk to a competent bankruptcy attorney so they can determine whether they will be able to take over on your case.
Before you jump to FDCPA, check whether Paula's advice applies in your situation. If it is a Washington state law firm and her advice applies, look for some other hook to apply the FDCPA. Perhaps the collection lawyers not licensed to practice law in your state?
The 5th Amendment may come into play only when you are being asked to incriminate yourself with what you "say." It's your right to silence your mouth (not your business records) where 5th Amendment rights come into play. For you to protect your business records, your attorney in New York is going to have to try something other than the 5th Amendment.
Was there really a "warrant" out for your arrest or did the debt collector illegally say to you that there is a warrant out for your arrest? If the latter is the case, then the debt collector may have violated the federal Fair Debt Collection Practices Act and/or the Florida Consumer Collection Practices Act. Unfortunately, your question makes it very unclear what is really going on.
The automobile exemption is still $1,000 for one vehicle. If your married, the spouse's vehicle also has a $1,000 exemption. The $4,000 wildcard exemption on any property applies only when you do not have a homestead residence or are surrendering property that was previously your homestead. However, in some bankruptcy courts of Florida, this $4,000 exemption (per spouse) is in addition to the normal $1,000 per spouse exemption on "any property" other than automobiles. Other bankruptcy...
I agree. Current and some former military personnel can have their status taken into consideration for means test issues. In fact, we always ask potential clients if they are service members, National Guard members or disabled veterans.
With regard to getting fees waived, if you are talking about the fee for credit counseling classes, that depends on the credit counseling course provider. Court filing fees are rarely waived, but sometimes broken up into small installments.
It depends on the reasonableness of the expenses. If you are purchasing lots of excess insurance for each car, then the trustee is more likely to object. But if you have basic bare bones insurance for each car, and then some to keep yourself protected, the trustee might find that to be a reasonable amount of expenses. Further, the insurance for 20-year-old will be harder to pass off as a reasonable expenses. If you're a single mother, then some of the trustees might expect the older son to...