My landlord charged late fees going back to June when I missed that month's rent and is charging me each month ..legal?

The answer is contained in your lease. You have been late paying the June rent. See what the lease provides insofar as continuing late fees.

Who is responsible for credit card debt? The person who "owns" the account? Or the SS number?

Based upon the facts stated, you should assume that this account is joint and treat it as such in the MSA.

What is the statue of limitations on a cable bill in utah?

If you've never had a cable bill then the statute of limitations is irrelevant and this collector is a scammer.

My brother and I was wondering if he can collect his social security benefits before the system possibly collapses ?

Transferred to Social Security for a possible response there. This is not a "legal question." You are asking attorneys for financial advice, bad...

Who drafts reaffirmation agreements, the creditor or the client?

Usually the creditor prepares it but the creditor must be informed that you wish to reaffirm.

Am I obligated to this debt?

How would we know? Did you take out student loans? Have you received notice that the loan was either put into collection or sold?

Transferring of title before chapter 7 bankruptcy?

This sort of transfer is always a red flag for further investigation. If you don't need it, and she does not want it, how about Mom sells it for...

I filed chapter 7 bankruptcy but I need to write a motion to have student loans discharged unter the undue hardship law. Is the?

The Brunner test is teed-up by an adversary proceeding, not a motion.

Will I be able to surrender a percent of a partnership (real estate) prior to filing chap 7?

Sorry, but this question cannot be answered without a review of the partnership agreement, and an analysis of your other owned property, and...

There is no requirement to give advance notice of a garnishment. Either try to set up a payment plan, or go into one of the many available...