Can I sue for Personal Injury?

You may sue. There are several bases for liability. I have attatched a link about parental liability.

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Can I ask credit card companies to reduce the interest rate they charge & offer to pay less than the minimum payment?

I see no problem with negotiating debt yourself. I see no gain be engaging a debt settlement company and have not yet seen one that I would trust.

Why won't any attorney help me?

If you look someone will review your case. The find a lawyer tool here is a great way to find an attorney.

Would it be worth it to sue someone for non payment of service rendered if its only a couple hundred bucks.

The situation you describe is a classic uneconomical to pursue.

Bankruptcy question

Assuming your husband is not a coeditor there should be no negative effect. Mr Gambrell's answer is insightful!

Social Security - Garnishment

I have atattched a link. Social Security can be garnished for Child Support, Alimony, Restitution, or Delinquent taxes with a valid garnishment...

My ex-wife rented 1 side of a duplex without my knowledge or participation. We are both on the deed, the mortgage is hers alone

I think your position is defensible. There is no contractual relationship between you and the tenants and I believe no duty under the landlord...

I have a friend in Michigan that's being verbally and sometimes physically abused

There is no way to appoint a guardian or emancipate someone secretly. This is a matter best referred to whatever social services agency is in the...

Do I need a personal injury lawyer to sue both my parents and the military school they sent me to?

I see some profound differences between you and your parents. This might be a matter for family counseling but it is not a lawsuit.

I believe we have a strong case for a hardship discharge but cannot afford our attorney. How do we approach the court?

A hardship discharge fits the situation you have described. A medical challenge substantial payments to the chapter 13 to unsecureds i.e. as much...