How does the creditor get access to my account(s) to place a legal hold on them? Can they access multiple checking accts ?

They file garnishment proceedings in state court for your wages and all bank accounts (including joint accounts).

Can I get a title to a truck that was charged off a while ago?

You may or may not get title but you might insure and make use of it until it does. Obviously, ignore people on this site who are only capable of a...

Can an employer release employee of job duties before date stated; if employee has turned in a resignation letter?

The employee quit the instant they told you, and you are allowing them to not only dictate the terms and final date, but also to disrupt your...

Do I have a racial discrimination case?

You believe the staff was rude to you because of your attire, and you happen to be Hispanic. That is not a reason to file a lawsuit.

How can a person get a D. U. I. When he is not in the car and the key is in his pocket and the police didn't see him get out?

Of course you can get a DUI while you are out of the vehicle. The obvious missing part of the story is what happened before that. Sure you can get...

What do I need to do to file bankruptcy ?

You need to contact a reputable lawyer in your area to see if it is right for you. Use the search function here. Soliciting and advertising in...

Debt citation ?

Your understanding of the changes in credit reporting is incorrect. If this is a typical collection see a lawyer about defending it or settling on...

Is this discrimination ?

You did not say why you were on leave so no way to know whether there is a violation of FMLA. Otherwise, employees can generally be terminated,...

Can a PTO be in placed without you being in the same state or being served?

Sure it is possible. The very purpose is an emergency order, and waiting on service sometimes is not feasible. Since you accurately point out that...

Nothing in your post indicates they are dragging their heels.