What's the difference between a lawyer and a public defender?

Public defenders are lawyers. The only distinction is who pays them.

We filed chapter 13 a year ago and are now getting a divorce. She put her student loans in. How do I got out of paying her loans

Let me add that if you filed a joint chapter 13 and are now undergoing divorce, your chapter 13 lawyer has a potential conflict and you should...

The gentleman that owns my house has filed to have the stay lifted in my chapter 13 this Thursday stating that I haven't paid re

Let me add that your attorney should be answering you (and the motion). Chapter 13 is virtually impossible pro se, so I hope you have counsel. ...

Let me add that your attorney not returning your calls is a serious ethical violation. Call your lawyer and telll him that you will file a bar...

Can our Son have his savings account taken in our Bankruptcy?

I agree with Tony. The answer will be dependent on the detailed facts. See a local attorney in your area, disclose the money, and discuss your...

Do i have to wait 6 months after a divorce to file chapter 7 bankruptcy?

Absent unusual facts, no (ask your lawyer about those facts). If you are divorced, then you do not generally include your ex-spouse's income in...

Is it legal that my Bank canceled my approved loan modification (not trial period) after I filed for Chapter 7 bankruptcy?

Talk to your bankruptcy lawyer. It is very possible that the bank has violated the present federal laws on modification and you may have a cause...

How many years

Just to add to Joanathan's answer, the time periods are the same in every state.

Is there any way to stop a garnishment by the state of ga other then filing bankruptcy?

Two things will stop a garnishment - paying the money or bankruptcy. I recommend that you look into hiring counsel.

Can previous settlement offers be presented to the Judge during the court proceedings?

Your question shows what a bad decision it was to discharge counsel. If you indicated you are going to try and introduce settlement...