Does a lawyer in a civil case have the right to ask for a hourly and contingency fee both?

It depends on the nature of the case and the regular hourly rate of the lawyer. If the hourly rate is discounted, it is perfectly proper and not...

Can there just sell the things that i have in an storage unit without sending anything to the person for them to sign.

There is a requirement of one "verified mail" notice, which just requires proof of mailing, not certified mail. And if the contract provides for...

I want to know if I could file for bankruptcy without my husband having to do it since it's my debt?

You can certainly file without your spouse.

What do they mean by "based on the Purchase Rate: 7% "?

It appears that this is an offer to buy for 7% of the face amount of the claim.

This depends on the trustee and the judge. If you are talking about a refund already received (or which is already due to you), you can keep it...

I am seeking an attorney in VA that has experience in helping structure a cash settlement offer to pay off the matured heloc

You need to consider the tax consequences. If you are not insolvent (considering retirement assets as assets), any cancellation of debt will be...

Balloon payment due at end of heloc term, will this qualify for chapter 13,

Yes. A chapter 13 will allow you to pay it over 60 months.

Is it safe to cash a check from a former creditor long after bankruptcy?

*Legally*, no matter what the amount of the check, it is property of your bankruptcy estate unless you scheduled it (some lawyers do routinely...

I want to know if I am legally married beings he is still married

If he was already legally married to someone else, your marriage is void, and you are not legally married.

How much is exemption on judgement ?

In MD they can exempt up to $6000 of money in the bank, plus additional amounts if they come from specific sources like social security.