Yes a lender can add legal fees incurred in the cost of prosecuting a default or defending a claim. Also as my colleague pointed out, there is a point in the prior lawsuit where they could have been awarded legal fees. Usually if a matter is resolved with the lender via a modification or some other workout, you can request/demand that the legal fees are waived/paid by the respective parties to avoid this. I would suggest calling the lender.
If the house was foreclosed and the loans included in your BK and you received a discharge, you should be in the clear. Obtaining financing may be difficult though and as my colleague mentioned, you would probably want to go through escrow and obtain proper title reports and title insurance.
Yes you should seek the advice of a lawyer. Also, a quit claim deed will not remove your financial responsibility for the loan you owned with your husband. You will want an attorney to help include all of those items in your divorce and find a way to better protect you in the process. If no one pays the mortgage, it could hurt your credit.
I would agree with Attorney Miller, it would all depend on the agreement you have with them and the duties and liabilities of all the parties as expressed and agreed to in that contract. It sounds like there is some level of negligence on their part at the very least. I would find the agreement and seek a consultation with an attorney.
You can apply as many times as you wish. Some banks will disqualify you from future mods if you default on one. Some lenders will only a mod once. Some will not do any mods at all. Just depends on your lender and servicer. Doesn't hurt to ask...
I would agree that selling the property is your best option. With the rising values in SoCal/LA you may not even need to do a short sale and could possibly obtain the full value. I would contact a realtor first and then see about a lawyer if a short sale is needed. Don't just walk away though.
A lender could charge off your loan for a variety of reasons but continue to list it as unpaid on a credit report. Your question is unclear though. Either provide more details or contact a lawyer directly for more specific advice.
An inspection for annual preventative maintenance is a proper purpose for a landlord to inspect a property. They have a right to make sure safety issues are taken care of and prevent harm. As you stated, you agreed in your lease to allow them entry for such purposes so to refuse it now would be to breach that agreement. Is there some other issue at play here? Are the inspections numerous and bordering on harassment, then you may have some claim but otherwise I think you need to allow...