How can I get a bill removed from my underage sons credit, he didn't have knowledge of it

If he was underage, he can simply reject any obligation under the contract. I would have him send a letter to the creditor stating that he is...

Can I sue for harassment and stress that I have to deal with trying to right there wrong

Have you considered paying by check by mail? You can then list the appropriate account number in an enclosed more with each payment.

Should I file bankruptcy?

The decision of whether you should or should not file is one you can only make once you have all the information. There are way too many...

What options do I have?

Be happy! Not having reaffirmed is the best possible scenario. Many mortgage lenders no longer even bother with reaffirmation agreements...

If I want to switch from a Chapter 13 to a Chapter 7 bankruptcy with a different attorney what are my options?

If you've found someone to handle the filing of a new Chapter 7 case for $700 total costs, I would be very wary of that. The court filing fee...

Can the Trustee take our primary home if it is abandoned by the lender? Is this very serious that we should get a new attorney?

If you received a Motion to Abandon, that does not mean that the lender is abandoning the property. It is a term of art meaning that the lender is...

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What law are the creditors in violation of? And, should I submit a letter requesting the return of wages?

Assuming the creditor was properly notified of the bankruptcy filing and still failed to proceed to terminate the wage garnishment, the creditor...

How do I resolve this

You would need to check the docket on PACER to see what debts you reaffirmed. When you sign a reaffirmation agreement, it has all the details of...

So my question is, if I had to go bankrupt/foreclose on my home, will she also have to go bankrupt and ruin her own credit?

If you are both on the loan, you are both jointly and severally liable to the lender. That means if one of you doesn't pay, they will collect from...

I filed chapter 13 and after I pay all my bills for the month I have exactly $40 to call a savings, is this how it wotk for 5yrs

There's a number of possibilities about what could be going on here: 1) Your chapter 13 plan is paying for a house or car that you can't...