Will Bankruptcy or Debt Counseling/Repair be a better option which allows me to purchase a home soonest ?

Would recommend that you consult with Bankruptcy Counsel for a Chapter 7.

What happens with a ticket that I got when I was a minor if it is unpaid and am now 18.

Yes, you have to pay it. They could issue a warrant.

Can a school make a policy prohibiting their staff from babysitting students after school?

You can make it a policy if you are the director of the daycare. I ask, what is the problem, if they want to babysit on their own time and not at...

Identity stolen and furniture bought

If you have a police report, give it to the collection agency that is coming after you. Also get to counsel who deals with identity theft and...

Go Park yourself in his/her office until he/she speaks to you. Also, you can write to the Judge or the chapter 13 Trustee.

I am in chapter 13 and my lawyer filed to remove himself from my case. I filed a statement of position.

The Short answer is Yes, you can file and it would be called an Opposition or Objection to Motion. You can request that the Court review any fee...

If collection agency are harassing you for a 10 yr debt can you say you are not working?

If they can find you after 10 years, then perhaps they have your social security #, and with that they can find out if you are working. Further,...

A. Get to a Med Mal Attorney in your area. B. Once you get to them, also see if they will file for Charity Care or other financial aid, and C....

Can collection agency garnish tax refund?

If they have a Judgment, and a Garnishment Order and a Levy Order, then yes, they can intercept your tax refund.

In your question it states: "the association may also charge an administrative late fee not to exceed the greater of $25 or 5 percent" That means...