Do I need a lawyer

Write a letter disputing the debt and asking for a payment history. The Statute of Limitations might well have run. Whatever you do, don't send...

What is the maximum amount of exemptions I can claim in a chapter 7?

You may amend your exemptions, but I am perplexed as to why the vehicle was omitted in the first place.

Is it possible to consolidate a consumer credit debt (about $20,000) to around $5000 and make payments on this lesser amount?

Lump sum request is normal for a reduced payoff. You need to speak to a qualified Bankruptcy attorney in your area (who will probably speak with...

Can I argue my parents have equitable interest in my car that lowers the equity available to chapter 7 trustee wanting to sell?

Half of any monies received would go to your mother. You might make a payment offer to the Trustee yourself. He will work with you if possible. ...

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I received a letter from hm attorneys at law in Montgomery ,Alabama about a debt of 1317.84 cent that i cannot pay

Not sure the total of your other bills, but bankruptcy might be a viable option. Many bankruptcy attorneys will be happy to discuss your situation...

If you are working, Chapter 13 might be a viable option for you. An agreement with DHR might or might not be possible but would enable you to pay...

If you're in the midst of a chapter 13, can you add anything to that?

You don't quite provide enough information to give a definitive answer. Is the debt pre or post petition? In any event, it is mandatory that you...

Do I need a bankruptcy attorney

It sounds like you definitely need to speak with an experienced bankruptcy attorney. There are several chapters of bankruptcy which might apply to...

Can I file bankruptcy by myself without My husband? Also, how much debt does one have to be in to file?

There is no problem in filing alone. If you are cosigned with your new husband, you must list those debts and will have to decide how to deal with...

Can the repo man stop me from getting my stuff out me car

You have the right to collect your personal belongings. Contact the creditor. They can point you to the location of the car. Then make an...