Basically no unless it is in a written agreement, i.e. contained in the contract itself.

Yes, assuming you are not in a support situation where a Court Order requires you to pay. It sure won't be good for your credit so i'd think twice...

No you do not need to file an answer. But you sure would want to reach out to them and see if they are in a mood to work it out.

Nothing special, just try to list all creditors and collection agencies, if any. on "E" is just priority debt, i.e. mostly TAX debt, "F" is pretty...

Yes, agreed, you must list all your debts. For what it's worth, during the pendency of your case they will stop the garnishment....and then it may...

While the legal theory recited to you by the lawyer is correct, i'm not a big fan of letting yourself be exposed to all sorts of harassment and...

Short answer to last question is yes they can keep coming until they get the entire amount. It is VERY doubtful that they will actually go after...

You don't need to do anything unless they owe you money...even then I doubt there is anything to do since recovery is unlikely. If anything...

A couple of things. You most likely will not be able to get them to lower the payments if they just don't want to. It legally is their right,...

As said, if you want to pay a law firm a couple thousand to recover the difference in price, go right ahead.