You probably need to file bankruptcy but that may not even really help. Cross collateralization means that the car is collateral for all of your...

What can I legally do?

Go take the car back until they pay up. The car is in your name, it's your responsibility, it's your car. If you don't have keys then go take...

2nd retail theft?

You have every right to be concerned because if convicted you will now have a "permanent record". You should contact s local attorney immediately...

How many notifications need to be sent before a bill goes to collections

Zero. If you don't pay a bill your account can go to collections.

I have a court date in 3 days for trying to purches a firearm

Yeah, get a lawyer. You could be in for a world of hurt or they could go easy on you......do you want to risk it?

I have about 40k in debt from various creditors but cannot qualify for a chapter 7 because my income is now 55k. what can i do?

What makes you think you don't qualify? You probably do. You should meet with a local bankruptcy attorney to be sure one way or another.

If you have financial problems, can creditors or mortgage holders put liens against your owned home?

Absolutely. If you own a home and owe debts a judgment against you becomes an automatic lien on any real estate owned in the county in which the...

Anything left to do after ARD probation expires?

You need to expunge your charges after completion of the ARD, if that matters to you.

How can i stop a judgement creditor from attempting to collect a balance due by taking my automobile?

Well you have at least three options. You can make acceptable payment arrangements with the creditor, you can file for bankruptcy, or you can...

How do i break a 1 year lease without penalty.

You should probably see a local attorney and review your lease with him to help you negotiate your way out. There may be a couple options.