Is debt settlement better then bankruptcy???

IMHO you are wasting your money if you use any debt settlement company that charges you for it's services. In considering your question ask...

We are being suied for a large amount and we can not pay what the insurance dose not cover can they take the house we live in?

Check out what protections your state's homestead law provides. You may also need to think about bankruptcy. Even if your home can be protected...

Filing Bankruptcy in marriage, when one's credit is decent and the other's is NOT.

In some states one spouse can be held responsiblte for the others medical bills. You need to gather all of your details and talk to a bankrutpcy...

Can or would the judge still throw me in jail for 15 days?

Judges can do whatever they like with you but most are reasonable and if you have the history and documents to back up what you say I would be...

Did I commit fraud?

For what you describe you are probably okay. If you had a legitimate intention of paying them back when you used the cards you are okay. This...

I got remarried about two years ago. My ex wife and I had a ton of debt together and it looks like we need to file bankruptsy.

You have to file separately and should have different attorneys to aovid any potential conflict of interest..

Can a NY State defaulted college loan be included in a bankruptcy

Student loans are rarely dischargeable.

Can a private student loan be discharged?

Student loans can be discharged but it is very difficult and the standard is hard for a younger person who is relatively healthy to meet.

How do you defend and AP in a Chapter 7 brought by my asset based lender for fraud?

An adversary proceeding is a law suit brought within the context of a bankruptcy case. You question defys an easy simple answer as ltiigation can...

If medical insurance isn't automatically deducted from your paycheck you can deduct it on Sch J. Just don't count it twice. As for recreation...