The other attorneys are correct. You do want to be careful not to have enough of a bank balance(s) anywhere that add up with your other assets that...

Appears to me your total debt is great enough that you seriously want to consider filing bankruptcy rather than trying to settle, maybe making...

Lien on a car

Do you have other debt(s)? If so, you should consider simply & quickly wiping the slate clean & obtaining a fresh start through bankruptcy....

Mr. Sudbury is correct; you never had any enforceable contract or agreement with the towing company & now they are flim-flamming you for the...

I had a student loan, that was discharged in bankruptcy.

It may have been discharged if it was a private, non-government sponsored loan. If it was a government loan (Sallie Mae, Nelnet, etc.) you would...

What are my options?

You mention a Reaff. with this creditor(??). Did you sign it? If that is the case then the obligation & debt remains despite the discharge because...

Yes, the pervasive automatic stay basically stops everything legal in its tracks. The divorce judge must be notified. However, there are ways to...

What can I do if a creditor did not filed a proof of claim?

Mr. Gleason is correct if you did file a chap. 7. Any medical (or any other) charges incurred after the date of filing are not & cannot be included...

If I file Chapter 7 bankruptcy, do I list my accumulated sick time as an asset and apply an exemption?

Not if you could not convert the sick time into liquid funds. It is not even an asset you would need to list in the schedules. Respectfully, I...

Can I afford bankruptcy if a collection agency is suing me and what are my options?

There is nothing to be gained in fighting this as it has already gone to judgment. File a bankruptcy & be done with it.