Can a creditor report or alter my credit report if the debt has reached the statute of limitation?

Write a letter to them and to the credit reporting agency asking them to correct it(if you believe it's wrong), and go see some attorneys.

Should I file a claim?

If they owe you wages or reimburse for things, yes!!!

My house was auction off because of bankruptcy for a creditor that I know nothing about the house is still in my name

Taxes should follow the house. It shouldn't be your problem.

There is a motion for garnishment

There is one more option and that is to file for head of household, if you qualify, that might work too.

Can I keep my tax return if it's within a certain range during Chapter 13 bankruptcy?

Who's your trustee? They have forms online on how to ask to keep the return.

Can a bank repossess my car during a Bankruptcy Chapter 7?

The bank would have had to file a motion for relief from stay to do that. If they didn't they have to get the car back. Your lawyer can tell you...

I am considering filing Chapter 7. My parents give money each month for my car payment. How does this work in Bankruptcy?

It probably won't matter at all for a few reasons. Lots of people think of reasons to stop themselves from filing Bankruptcy even though they know...

IAm in a debt consolation program ?

Time to set up some free bankruptcy consultations. You'll be surprised at how much stress they take off of you.

Should I pay 1,100 charge off from kays that has been transferred to a 3rd party company I can find no information on

The real question is, "is this your only debt?" If you have a ton more, don't bother trying to knock them off one at time, file bankruptcy. If...

There's good news for you. State Court cases take a long time so, as everyone has said, you just defend them until you are ready to file. Lot's of...