What are my options of getting read of the credit cards and auto loan?? please help

You sound like a great candidate for Bankruptcy. We will need to look at your income and other assets but I'm going to venture a guess that you...

Can I use my Florida exemption?

You'll need to see an attorney. There is a ton that goes into this. The shortest answer I can give you though, is the longer that you can wait to...

What are the pros/cons of filing a Proof of Claim? Will it hurt his case? What if I don't file a claim? What are the benefits

The short and easy answer is that you're probably best to file one just to protect yourself and your rights.

Should I let these cos. get judgements against me since I have nothing or should I consider bankruptcy?can my SS be attached

Yes. You should consider Bankruptcy. The stress that all these debts will bring to your life is big enough reason to file. Many attorneys will do...

Do I have any recourse against him if the doesn't follow proper protocol in filing this petition and my bankruptcy is denied?

Go meet with some more attorneys. There are plenty who will do the case for cheap if it's an easy case. If nobody will lower the fees, then it's...

All of this is very common debt and you shouldn't have much of a problem discharging it. I'm going to assume it's old and you've been in FLA for a...

What, if anything can be done to end the garnishment?

Filing any type of bankruptcy will stop this right away. I'm sure this has hurt in other aspects of your life and caused other debts that a BK...

My husband left to another State and he went on Bankruptcy, now the house soon under Foreclosure. I want to save the house.

Yes, you can save it either through the state court and/or the bankruptcy court.

What are my options if I make too much for Chapter 7 and am not a wage earner?

You need to seek competent legal advice. My guess is that you may be able to get into a Chapter 7 or very low payment Ch. 13. Either way is...

What options do I have at this point?

Make on offer to the collection agency. I bet by now they will take less.