Can apply for bankruptcy without having to go through debt consolidation?

It sounds like you have tried everything you can. Time to find a consumer bankruptcy attorney in your area and review options. I think once you...

How do I get debt collectors to stop spam calling me (wrong person)?

You have rights with debt collectors, including the right to demand that they cease contact. This needs to be done by certified mail, return...

Can I receive treble damages for a judgment I received 4 years ago?

What is the basis for asking for treble damages? And what is it that makes you think you are going to get paid ahead of the 20 plus people who...

Please review with your attorney. If you don't have one, read bankruptcy rule 2004. It is pretty broad, and allows any party (creditor) to get an...

Who do I name as defendant if I am suing the department of education?

You will need to review the bankruptcy rules for service upon the federal government. I can tell you that you must also serve the U.S. Attorney...

I was served with a summon on which they name someone who it's not related to the case and the allegations are wrong?

Your precise question is difficult to figure out. This a rambling, run on sentence, hard to follow. I gather from the headline that you were...

I live in Michigan and need to file for a Chapter 11 . Can I file without an attorney?

You cannot be talking about Chapter 11. You must mean Chapter 13. Your chances of successfully filing and getting confirmation of a Chapter 13...

What is my recourse after a Bankruptcy?

Reaffirmation is a Chapter 7 concept, not a Chapter 13 concept. I have never recommended reaffirmation of a mortgage in a Chapter 7 context, this...

Do I refile or start a new case?

If your Chapter 7 was dismissed 2 years ago, there is nothing there to re-open. You have to start with a new filing. This time get an attorney so...

Qualifying for chapter7

I think you need to review all of this with an attorney. Just passing the means test does not preclude the UST from pursuing an abuse motion. ...