You've asked multiple questions, so I'll provide multiple answers. First, the technical answer is "yes" - you can sue the Credit Reporting...

Consider contacting either the Legal Aid Society or The Legal Project. They're both very upstanding pro bono service organizations that may be able...

You can't hire a non-attorney to represent you in Court. Your best bet is to find an attorney who will avail you of a free consultation. Good...

No. That's highly doubtful. You can't forgive debt that has yet to exist.

The answer is "no", a civil judgment cannot be entered against a minor in New York State. This eliminates the need to consider a bankruptcy...

The best answer that anyone can offer, based in the information available, is "maybe". There are a lot of factors involved in this determination....

You can certainly list the account in your bankruptcy filing, but doing so will not eliminate your mother's joint liability on the debt. In fact,...

I'd have to agree wirh my colleague. This doesn't sound like an insurmountable challenge, but it does sound sufficiently complex to follow up with...

Co-Debtor issues like this are, unfortunately, not uncommon within the Bankruptcy Courts. As prior colleagues have suggested, looking to escalate...

I switched the subject matter over to Criminal Law so that you get more sophisticated answers from people in the right field. Good luck with...