I owe the U of M 1,116.00 for registration fees or I can't participate in their Senior Citizen Program, which is free. This deb

Unless you have other debt, the fees for filing bankruptcy are likely to be more than the amount of the debt. You may just want to pay it.

Who is responsible for debt upon death of person?

Your estate is liable. Unless it is joint debt or your spouse assumed responsibility for paying it (such as by cosigning or guaranteeing it), he is...

Is there a way to have late payment reporting removed after the accounts are included in bankruptcy?

Generally speaking, truthful information cannot be removed from your credit report. You might check with a consumer protection attorney to see if...

"Zombie Debt" can be very difficult to deal with, as you have discovered. If you can't find anyone to discuss payments with it is just about...

Is there any way to stop Rural Development from taking my tax refund. It is the only way I can save enough money for Bankruptcy

While it is possible that it will agree to other payment arrangements, it is likely that it will take your refund.

As noted, your likely options are Chapter 13 (to catch up on the mortgage) or Chapter 7 (to wipe out your personal liability for the mortgage and...

Does this show Proof of Assignment and, if so, or ,if not, what are my options at the trial?

It's impossible to tell without a review of the document and the rest of your case file. This is not necessarily simple stuff, and the attorney for...

When calculating the 4.25% interest on garnishing a paycheck, what time frame do I use?

Assuming you're using the correct interest rate, and assuming you're allowed to collect post-judgment interest, you'd compute it from the date of...

I received a bank Levy. I also recieved a notice to appear in court.

And your question is...?

Are the collection agency's actions below in violation of truth in caller id act or FDCPA?

Maybe the TICA (but there is no private right of action), possibly FDCPA. Check with a consumer protection attorney. You can find one at NACA.net.