Should I seek help in repairing my credit to qualify for a home loan?

You should have doubts. Not only should you not consider giving these scammers any money, you need to discontinue working with the mortgage...

Should I file bankruptcy and if I do how long would it take to rebuild my credit?

There is no possible way to answer your questions because we don't know the first thing about your financial situation and you chose to not tell us...

CAN A MINOR BE MADE TO SIGN A LEGALLY BINDING DOCUMENT WITHOUT A GAURDIAN PRESENT

The document may be legally meaningless (we don't have it and you did not tell us what it says). The larger and far more important issues are 1)...

What to put in as a mortgage payment to successfully participate in the loss mitigation program. Have not paid for 1 year.

Either include your regular payment, or zero if you are going to give up the house (in which case you might estimate a rent payment). You don't...

Do I need to obtain an tax lawyer or CPA to resolve a back tax issue?

A tax accountant who regularly handles these matters and deals with the GA Department of Revenue can likely assist, and would probably be a little...

Sure, if you want to maintain the insurance that presumably is required under your loan documents. A discharge of pre-petition debt does not mean...

Can Citi hold my note and b assignee of deed if mortgage was sold to Freddie? Law states they must travel with sale to owner!

You did not tell us what you believe was :wrongful" about your foreclosure. There is a whole lot on the internet about every major lender, and...

Does signed modification put my husband back on the hook for discharged mortgage in MA??

Whether he is liable depends on the document signed. We don't have them, and you did not tell us what they are. If he signed a new note, you have...

Can you keep a partial intrest in a boat if you file bankrupty (chapter7)?

That depends on more facts. Is there a loan on the boat? If not, and your interest has value, the trustee may want to sell your interest. ...

Can I be evicted from a stay?

No, the filing of a Chapter 7 does not mean you get to stay in rental property after not paying rent, absent the landlord's agreement. There is a...