What should I expect and how should I prepare for court date for credit card debt? (I know I owe them)

It does sound like bankruptcy might be that safety net you need. A verification of the debt, will not stop the process and the additional amount...

Received a summons and I owe the debt, should I submit an 'answer'?

Filing an answer may be helpful in working out a payment plan with them, but ultimately if you know you owe the money it would be best to contact...

Have to wait to negotiate balance for loan owed to school until after SOL or ok to do couple months before?

This would most likely be a written contract which would make the SOL 15 years in Ohio. When you signed up for the classes, you probably signed...

Missed a payment to a debt collector. Received a certified letter (post judgement discovery)

Sounds like this could be a judgment debtor examination and they are trying to find out where you work and bank. Yes, they can garnish your wages...

Do I attend hearing if settlement has been reached?

I would agree. You can also request a continuance yourself.

What is considered valid debt validation in reference to the documents provided

A simple statement is sufficient to meet the requirement of a debt validation. Nothing more is required and they can continue to pursue collection...

As the previous poster indicated they may not take payments from anyone other than your friend. Since the bill is delinquent, they aren't required...

Can these people be allow to play games

You can ask for a verification of the debt, but that only requires them to provide a notice that the debt is verified and not give you a detail...

The debt company states I have to settle for 85%, why can't I settle for less?

They have the right to the full amount of the debt and don't have to accept less. Assuming this is a valid debt, they most likely will not settle...

I would file an answer. Not knowing whether you paid cash or check, they may be waiting for the check to clear. If they simply were delayed and...