How do I determine if these are private or Federal loans?

They are federal loans. You can see all your federal loans by getting your report at www.nslds.ed.gov.

Are we considered collectible / should we consider bankruptcy?

Some of us do phone consultations. Bankruptcy isn't that busy right now. Shocked it is taking that long to get an appointment.

How soon can I file for chapter 7 and receive a discharge after a previous chapter 7.

Plus one day from October XX, 2008, plus 8 years. So if you filed October 15, 2008... you can file again October 16, 2008. 8 years plus a day...

I am buying a house in my name only. What can my lender ask about my spouses finances?

If you want the loan, then you must answer the question. Since it is in your joint bank account, they are going to need the information to make...

Recourse against banks failure to complete foreclosure damaging credit?

Your credit is going to continue to get dinged every month you do not make a payment. Each new month brings a late payment on your credit report -...

It's likely a scam. No reputable debt collection company tells you that you are going to be served with papers. Depending on how old the debt is,...

Can I submit the bankruptcy by myself ?

You really need to go to an attorney for a consultation. Rapid fire questions going down a rabbit hole are only going to make your decisions...

If I file for bankruptcy chapter 7. can I keep my homestead property?

Your house is likely exempt from your creditors and the bankruptcy trustee. The Orlando bankruptcy court has a pro se clinic.

Can my garnishment be stopped if i consolidate? Will my credit score take a hit with the balance increasing?

The website for the student loan lawyer's trained graduates is: http://thestudentloanlawyer.com/workshop-graduates/florida/ Yes, you will...

How do I determine if this call was a scam?

It's a scam. People do not get arrested over payday loans.