Would I have to give up a part time personal business in our names if I file Chapter 7?

The question really is not the business and future income, it is the value of unexempt assets the trustee can sell for the benefit of creditors. ...

Can a businessman discriminate based on a countryman murdering a family member?

Virtually every hiring decision (employee or contractor) is based on some form of "discrimination." Te overwhelming majority is not unlawful...

I cosigned a sallie mae loan can they garishes my wages. Will they stop my garishment if my son gets a job

That requires a guess of what they will do. From a creditors perspective, if they have already gone to the trouble of declaring a default and...

Filing bankruptcy, if I have no assets would it be fairly easy for me to represent myself or do I still need a lawyer?

Fairly easy - not even close. Theoretically possible, yes, the same as you can always be your own lawyer in any case. The problem is you don't...

Yes, generally the entire contents of a joint account are subject to garnishment for the debt of one. The bank , court and creditor does not know...

Or maybe a better question is how to get out of the contract without having to honor the balance.

You don't tell us how much is at issue. Without that, and frankly without taking other steps first, just filing a lawsuit is not likely the answer....

Why does the co. we have our 2nd morgage through say our paymt. is voluntary?1st -2nd ordered in Chapt13 pd. by us..

There is no way to figure out the issues from from your post (and without all documents). Your lawyer is the person paid to answer your question,...

Filed Chapter 7 in 12/08, dischaged in 4/09. Both my primary residence and income property were included in the BK.

None of the above. A tax accountant or CPA who prepares your taxes. Ignoring it will lead to a big bill from the IRS.

How can I know if filing bankruptcy is the best choice for me?

Easy - speak with 2 or 3 consumer bankruptcy lawyers in your area and schedule a meeting with at least one of them. Most likely it will be free.

Can I go to jail if I use my in-laws credit cards without permission?

Sure, you can go to jail. In fact, if your in-laws want to get out of the debt (and they certainly should) they will most likely have to provide a...