What does this mean???

It means that most of your legal claims cannot be brought in a court. Instead, they will be brought in an arbitration process, in which a...

How do I remove a creditor that is still on my credit that was added into my chapter 7.

You should contact the creditor directly with proof of the ch 7 discharge and ask them to remove it. If they do not do so, they may be violating...

What rights do I have in this case,are they allowed to disclose my information to my spouse

Probably yes. If they are a debt collector under the FDCPA, they are allowed to communicate with your spouse regarding the debt, and it doesn't...

Questions on practice under FDCPA

If an attorney writes a demand letter trying to collect a debt owed to another person, and either (1) his principal purpose is debt collection, or...

1. You should tell that lawyer that if you are actually considering it. It might help with the negotiation because it would affect their ability to...

What do I do,?

You should search for a local FDCPA (Fair Debt Collection Practices Act) attorney -- you may have a claim against the debt collector.

What options do I have so I am not deemed solely responsible for 100% of said debt.

No. As cosigner you are equally 100% liable on the loans.

Can I file a brief citing undue hardship and if so, can you refer me to a template? Also notice of harassment if I am eligible.

I recommend contacting a local attorney who focuses on FDCPA (Fair Debt Collection Practices Act) actions. If debt collectors are harassing you,...

My Question is why don't the Attorneys answer the question asked

It's probably because, a lot of the time, we can't give a good answer without getting more facts about the question.

Do I have to pay them?

You may wish to contact a local FDCPA attorney if they are harassing you. That attorney will also help you dispute the debt and get them to cease...