You can sue Equifax in Federal Court under the Fair Credit Reporting Act

How do I find a pro bono lawyer?

Please calll your local bar association for a referral;

I live in NY and was issued a summons for a $1600 debt collection. I want to settle out of court and pay the debt in full.

contact the attorney for the creditor that y will be happy to accept payment before court and terminate the action

My house was sold at auction 12/7/18. The bank was the "winner" and took back the property.

The clock can start anytime within the year of foreclosure , 1099c's are issued in Feb

Is this the way things should be going considering the situation?

YES ! you need answers from your attorney or hire a new one to do an order to show cause

What to do about default judgement wrongfully entered ?

Yes ,the judge and court have your answer on record

you should wait untill you recieve your discharge papers

Can my wages be garnished for an old rent balance if I claim bankruptcy?

yes, this is a dischargeable debt in a chapter 7 bankruptcy

Can I exempt two autos in a debt examination?

if you filed alone then one if you filed jointly then both

1 witness and get it notarized, you should be able to work it out