You should consult with a local criminal defense attorney right away.

For 14 years I have been allowed roommates without a guest fee, can the landlord start charging me a gust fee now?

Yes the landlord can start charging you a guest fee.

Can verbal contracts be enforced in NJ ?

In this situation the verbal agreement is not enforceable.

Do I need a real estate lawyer?

You do not need a real estate attorney.

There is no rhyme or reason why finance companies do what they do.

27 years old men seduce my 16 years old daughter online, what do i need to do ?

You should call the police immediately!

Chapter 7 and later foreclosure

the mortgage loan was discharged but the lien on the property exists.

After chapter 7, if a bank will not repossess my vehicle and releases the lien to me for disposal, can I keep the car?

Yes you can keep the car................

After chapter 7, if a bank will not repossess my vehicle and releases the lien to me for disposal, can I keep the car?

Once the car is released, you can do with it whatever you want.

Any concerns regarding my ex quit deeding to me a previously shared property 2 years after I received my chapter 7 discharge?

I do not see anything that you need to be concerned with.