when a debt is written off by a creditor, they sell it to a debt collector. The debt collector will then sue. They get a judgment and they can...

Need more information. What is a "division program fee"? Are you talking about bankruptcy or just some kind of judgment or debt?

If the total is over $600 in the 90 days before filing you can get it back. I always have my clients wait until they pass that 90 days limit by...

Yes. However trying to do it by yourself can be very risky. I have seen people lose their house because they tried to do it by themselves.

If it is not titled in your name it is not your asset and is not even listed as your asset. Consult a local bankruptcy attorney.

The first question is how much was taken from those three paychecks before the date case was filed. If it is less than $600, you will not get that...

No. It’s a scam to try to scare you.

No. Not necessary. Previous poster is correct.

No. The worst thing they can do is garnish your paycheck, seize your state tax refund or seize your bank account. Cannot take your federal return.

I agree with the half a dozen lawyers you’ve already talked to. The real question is how much equity do you have in your townhouse. Almost...