A collection agency contacted me I asked them how much they would take a month as payment they said full amount I told them I

A creditor is not required to accept a payment plan.

Disputable medical bill

What is your question?

The answer depends on the details. Judgment liens may be able to be avoided in bankruptcy. Depending on how your courts interpret a renewal of a...

IRA garnishment

No.

I received a letter from an attorney representing a debt collection agency for an unpaid debt. The letter doesn't state

If you contact the attorney for the creditor and can show that they sued the wrong person, they should dismiss the lawsuit.

My daughter has been out of work for 11 months, filed bankruptcy and has now bee dropped from bankruptcy, What can she do about

"Dropped from bankruptcy" can mean a lot of different things. It can mean that she received a discharge, that a discharge was denied due to fraud...

Does the debt collection agency have the right to continue reporting to the credit bureau after a case was closed/dismissed?

Yes.

Can a collector garnish my unemployment benefits that are linked to my EDD BOFA DEBIT CARD?

Are the benefits being garnished directly, or was the bank account into which they were deposited attached?

Now that I have filed Chapter 7 pro se, when do I start reaffirming secured debts that I listed as wanting to reaffirm?

"He who represents himself has a fool for a client." -- Abraham Lincoln No offense, but you're about do some very foolish things without...

Cross claim in NJ Bankruptcy Court Adversary Proceeding, dismissed with prejudice; be brought in state court?

Mr. Berkus' assumptions are likely correct, but you should have your case reviewed by an experienced malpractice attorney. If you can't get someone...