Get the name and address of the company calling to collect. Send a certified letter demanding that they "verify the debt." They have 30 days to...

A summary judgment entered Jan. 2011 never renewed

Judgment entered before your filed bankruptcy. Bankruptcy was discharged. Why do you think the judgment was not discharged and is no longer...

Most consumer bankruptcy attorneys offer a free initial consultation. Best to see one and get the whole picture before an experienced professional.

Line of credit issue?

Likely that you are on the hook for the entire amount, and so are all guarantors. If one guarantor has to pay the whole amount, they can sue the...

I am in need of new attorney to reopen my bankruptcy and file an adversary procceding

Do a search here, or on abcworld.org to find substitute counsel. Odd that your attorney will not give you a referral.

How do i collect the money I won a judgment in small claims court ?

You can either familiarize yourself with civil procedure and post-judgment collection techniques in Texas, or you can search on Avvo for a...

What defining features are required to be considered a valid loan?

Guessing you never actually married and now you might see why that arrangement is usually worse for the woman when things don't work out. Moved...

The direct answer to your main question is "Yes." Your other assumptions are without basis in law or fact.

Will my chapter 7 bankruptcy affect my cousins car that I co-signed on?

You should have listed the lender on the car as a creditor on Schedule F. In my experience, so long as the payments are made on time, no problem.

How do I fight unreasonable collection of debt from my former landlord who is sending me pre-collection notices?

Moving from Debt Settlement to Landlord/Tenant where you might find more expertise.