Is recent 401K included in Chapter 7 means test calculation in New York?

No

There is no average. I have had clients discharge hundreds of thousands of dollars. I try to discourage filing for only a few thousand dollars.

Can judgments get discharged in bankruptcy?

Absolutely! That is the most common reason to file for bankruptcy.

NY Courts: how many adjournments are considered "protracting" the litigation?

In order for a case to move in New York, your lawyer has to do something. The amount of adjournments you state for discovery compliance is not...

My mortgage has been paid in full but there is a misc charge for 2,975.00 that i do not owe,so bank wants to forclose my condo.

When you say paid in full, you do not mean that, I assume. You mean current, but there is still a balance. If you do not owe condo fees, get a...

Do I need another Lawyers/Attorney?

You may have been scammed here. Who is Christiansen, and who does he represent? How do you know? I would make a demand on the attorney to finish...

How can I legally coerce Verizon to provide reliable and regular fixed line phone and Internet access?

You can't. Figure this one out, and you will have solved one of the world's great mysteries.

Can i sue a company that i didn't get there service?

This sounds to me like you may have been scammed. You can sue, but who are you suing and where are they? You might have to cut your losses. Make...

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Am I responsible for payment on 2nd morgage bond for my husband and his ex wife's house?

You would be very ill-advised to provide any ID or help here. It is not your issue. It is the time for you and your husband to get bought out of...

I am in contract to sell my condo only to find MERS owns the mortgage and not the bank I have been paying my mortgage to.

There are some things you do not understand, and your lawyer should understand them. If not, get a new lawyer. MERS was a failed idea to...