In addition to the other comments, note that the amount of any forgiven debt resulting from a debt management plan is taxable as ordinary income....

I've been served a summons for foreclosure. I'm not sure what to do ?

You need to speak with a probate attorney as soon as possible. You may als need to speak with a bankruptcy attorney.

Took out a 2500 payday loan. in 2016 made 2 payments. havent been able to make any further payments.

While what happened could be a defense to fraud, it is unlikely to be a defense to owing the money.

Do I have a case?

Is it possible? Sure. Will you win? It depends on what the communications say and how the judge interprets then.

A 100% plan can be paid off early. Check with your attorney for how to do this. The trustee should pay creditors according to the priorities...

Yes, but you’ll probably need to file a Chapter 13, not a Chapter 7, to catch up on your mortgage payments.

If a car is repossessed and is sold for less than what is owed can they put a lien on my house?

If the sale was conducted in accordance with state law and the lender obtains a deficiency judgment against you, yes.

My lawyer failed to file a required motion during my ch 13 bankruptcy to included arrears my mortgage agreed to add to our plan?

It is unclear what motion is being referred to. Generally, if you fall behind on your mortgage during the Chapter 13, the lender can report you as...

I've a flag on my license (can't renew) in MD, I'm moving to VA will I be able to obtain a license or the flag will prevent me?

The flag is likely to cover VA as well. Either a payment plan or a Chapter 13 bankruptcy are likely the only things that will help.

What are my legal options?

You need to file to vacate the judgment immediately. However, unless you have a valid defense to the claim, it is likely to go nowhere, and it can...