Can I file for chapter 7?

It's possible, but even if your income is above median, it doesn't mean that you can't file for Chapter 7. See my blog on this issue at...

Do I have a claim for stock options after chapter 11 if I was not informed otherwise?

The answer depends on a number of factors, including the specific language of the letter and how such stock options were addressed during the...

Debt collectors lie. Debt collectors for payday loan companies lie even worse than regular debt collectors. We have no debtors' prison in the...

Can they come and repo my car and give me until Feb to pay it off if I file bk and the bk is discharged t

If your payments aren't behind, why did it repossess the car? Did you reaffirm the car loan in the bankruptcy?

Late fees

Generally speaking, yes it can.

Will I owe any real estate taxes if I file for bankruptcy due to forclosure?

Real estate taxes are owed to the state or county where the property is located. You would not owe any imputed income taxes from forgiveness of...

Do I need an attorney if my wages are being garnished for an outstanding student loan without pror notification?

If it is a federally issued student loan, they can garnish even without first suing you. You may want to consider a Chapter 13 bankruptcy. See...

How do I stop dept collectors for medical bills? Can I chose to deal with the hospital instead? Is there a letter format?

Normally, the hospital will refuse to speak with you once the claim has been placed with a collection agency. The choice is the hospital's, not yours.

We declared bankruptcy in 2010 and were financially relieved of responsibility for our mortgage. We have stopped by the property

So long as your name is still on the deed and the foreclosure has not occurred, you remain liable for post-petition HOA and condo fees. Contacting...

Can the CA franchise tax board take pell grant and/or stafford loan money?

It appears that they are not. See http://ifap.ed.gov/sfahandbooks/attachments/0809Vol4Ch3.pdf.