3) How do I negotiate a payment plan since I have no idea who owns my bad debt now

The time in which to dispute the debt has passed since a judgment was obtained which gave rise to the wage garnishment. I think you will either...

Chapter 7 bankruptcy. Debt owed to ex wife dischargeable? Was part of marital settlement agreement but not for support.

The best way to answer this question is to read the MSA, and the judgment order. The devil is in the details.

Can a company continue to draft payment on a bank account and at the same time report all loan co-signers to Credit Agency?

This appears to be business debt, rather than consumer debt. As you may be aware, there are far less protections when dealing with a business debt....

WHO CAN HELP ME WITH THIS

Please do not type in capital letters. There are several administrative remedies available to you that will immediately stop the wage garnishment....

What kind of lawyer do I contact?

First, you need to consider and evaluate why type of student loans you have signed for. From the facts stated, I am unclear for several reasons....

Ex owes me $4k, am I able to deduct from items she invoices me for in order to get that paid back even a little?

Far better to speak with your Family Law Attorney regarding any offset. You do not want to get in trouble for not upholding your obligations. With...

Can I sue my school if they don't want to comply with an agreement and it for giving me false information.

I think you will need to speak with a local San Diego Student Loan Debt Resolution specialist. Dealing with collection agencies can be very...

Once a case is discharged the case is closed. The trustee typically does not care after the case is closed, unless, there is some other issue that...

Which is more damaging to my credit score; debt management or bankruptcy?

You most definitely will benefit from a Chapter 7. Folks who are in their Golden Years do not need to live under the financial pressures placed on...

There is nothing special about the letter you send. I would make is super simple. Send them a copy of your Discharge with a cover letter stating...