Can i convert a chapter 7 that hasn't been discharged to a chapter 13?

Your question has certainly spurred a lot of comments and conversations! I think the clearest thing here is that you definitely need competent...

How much of my wages can be garnished?

The maximum each creditor can garnish is 10% up to a maximum of 25% amongst all creditors

Yes. They are only good for six months.

From your description, it sounds like you do not qualify for Chapter 13. With negative disposable income, you would not be able to find a repayment...

Can a collector sue for way more than you spent on the card?

The creditor is most likely seeking a judgment for an amount that includes interest, late fees, and legal fees, all of which are most likely...

I think you should also consider posting this question under debt collection. From the limited information you gave us it doesn't really seem...

I received a letter from my bank with an attachment of a letter for execution against goods and chattles. What is this for?

Your bank has received a notice of a levy from a creditor that is holding a judgment against you and is seeking to collect from your bank account. ...

How do I get paid for my severance as the business declared Chapter 11?

You want to be on that list as the highest priority debt. You need to file a proof of claim and I would also hire counsel to file and adversary...

I live in New Jersey and if a judgement is placed against me in court can they take my unemployment benefits from my bank accoun

Just to clarify: with unemployment benefits, your wages cannot be garnished. However, once the funds are deposited in your bank account, the bank...

How much would it be to sue them ?

I agree with my colleague that this is more of a litigation question then he debt collection question. However, I would also add that, given your...