Am i really liable? Can they do this?

Your question is unclear. I'll take it to mean "what does getting a 1099c mean to me?" It means the lender forgave your debt and reported the...

Exempt Income Protection Act Question?

The questiion is the amount of the claimed to be exempt. Not its location

Pre-action discovery in NY State and Federal Court's require court orders.

It means the action is over and they can start it again if they want to, subject to the statute of limitations not running. Sleep well

You both transfer your interests to the LLC, Better check if your condo will allow it.

From what you describe, no prosecutor's office would be interested in pursuing it. Nor does it sound like you did anything with criminal...

Will considering taking money offered to end a case effect my case?

Considering a proposal will not affect your case. Nor will making a counter-proposal. Agreeing to a settlement will affect your case. Before...

You may have a claim under the Federal Fair Debt Collection Practices Act. You should talk to a lawyer and discuss, among other things, how this...

From what you describe, you can sue in a New York court. Depending of the dollar amount involve, you may also be able to sue in a Federal court...

Either read the rules and applicable law or hire a lawyer. Just asking around won't get you where you want to be.