How do I access my funds? And, shouldn't the trustee be held accountable for ignoring my 2 timely claims to the surplus funds?

You're going to want to hire an attorney to represent you in this matter. I'd recommend speaking with a California-licensed real estate attorney...

Can my sister do anything about this? At least take the debt and out it under him?

Unfortunately, your sister voluntarily chose to give this individual a credit card. This is what's called an "authorized user" arrangement, whereby...

Can I get a divorce or separation without losing the house which is in my name only and I have made all the payments on?

I'm very sorry to hear about your husband's illness. With regards to your question, there is no reason that you should lose your house to...

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Can the mortgage company (HFC Beneficial/HSBC) garnish our pay or retirement savings? We have no other assests.

I'm very sorry to hear about your financial situation. The good news that that your retirement income is protected from garnishment by both State...

Anything I can do?

I'm not entirely sure that this is an argument that you'll want to make on the public record. Defenses against foreclosure aside, this would amount...

Do I need to file any tax documents - State tax, City tax or IRS? If yes, when? Will my Singapore income become taxable?

Your question is actually a lot more involved than you might think. There are questions regarding taxable income thresholds and the applicability...

Who has the legal right to claim them on NYS taxes?

Absent some legal arrangement with the parents, it is customary that the children's biological parents claim the dependent exemptions with respect...

I hold a tax certificate that could lead to foreclosure. Can the lender of the primary mortgage seek payment after I foreclose?

Agreed with the prior two responses. Good luck with your case!

Can I get reversal on this foreclosure and put this case in federal court and sue Bear Sterns because of fraud?

You have not elaborated upon the grounds that give you a legal basis to pursue legal action. If it is your underlying assumption that REMIC Trusts...

What would be my best option? Foreclosure on mortgage? Bankruptcy? If bankruptcy what chapter?

Your goals are not unreasonable, thought you'll want to discuss the specifics of your financial situation with an experienced bankruptcy attorney...