If I return to my vehicle before the tow company has hooked my car to their tow truck, do I still need to pay them a fee?

State and city law may have provisions governing this situation. Check with a local consumer protection attorney.

If an aprartment complex has put the wrong balance of what I owe them on my credit report who do I contact

Ms. Bunch is correct. The Federal Trade Commission has an excellent discussion of how to dispute errors on your credit report. She links to it.

My 1821D case was placed on hold because of security checks how long will they take I need an answer ?

It's impossible to say. Security checks can be quick or slow.

I was served papers for a hospital bill, I have 3 days to respond. How can I do this on my own until I can get an attorney?

You can file an answer to the complaint, or ask the court for more time so that you can hire a lawyer.

What happens if a default judgement happens.

A default judgment is just a judgment where no answer was filed to the lawsuit. Once it has a judgment, it can garnish wages, attach bank accounts,...

Fair Isaac (the inventor of the FICO score) has a guide: http://www.myfico.com/crediteducation/improveyourscore.aspx

Do I need anything in writing when paying off a debt in full to a family member?

It's not required, but is a good idea. A local attorney should be able to draw something up that will do what you want.

Can I buy a house from someone if the house was included in a bankruptcy?

Yes, you can buy it (assuming that the seller's bankruptcy case has been closed and the Trustee isn't trying to sell it). Any sale is subject to...

I filied for chapter 7, I choose to keep the home and car can they take my home if I don't sign a affirmation,

There is no requirement that you reaffirm a mortgage debt to keep the house so long as payments are current, taxes are paid, and the property is...

Your best bet is to ask a Missouri collections attorney. He or she can review the details of your situation and let you know if you have a defense...