I need protection from wage garnishments, bank levy, and liens, from judgment aginst me for unemployment over payment

You should consider speaking with a bankruptcy attorney.

I filed chapter 7 and didn't reaffirm my mortgage. Can I walk 10 or 15 years after the bankruptcy? What is the time frame?

As you did not reaffirm the mortgage during your bankruptcy you have been discharged from your obligations under the promissory note. Thus, the...

My 75 year old brother has a lot of credit card debt. Can he declare bankruptcy on that debt alone?

Yes, he can file. But, he is required to list all debts and assets no matter how small.

The jurisdictional requirement to filing bankruptcy is that you have lived within the filing district the better part of 180 days, or 91 days. So,...

If I file chapter 7 without my wife, can they take our cars if both of them are in her name only?

As the cars are property of your non-filing spouse you do not have any ownership interest to disclose. I will also assume from your question that...

Under the bankruptcy code you are obligated to list any and all debts. So, regardless of the amount due it must be listed. This would include...

What is the best way to settle debts or do offers in compromise, to Debtors and Collection agencies?

First, you need to understand that any debts comprised creates income tax on the amount forgiven or compromised by the creditor. Second, it would...

I am being sued by a junk debt buyer.

You need to respond to each argument contained within the motion. I would recommend contacting an attorney to help you.

My house is foreclosed, I just recieved a 1099c. should I file bankruptcy? I would really like to avoid this.

The issuance of a 1099c means that the mortgage company has forgiven the deficiency due. You should first consult with a reputable CPA as the...

Is there a waiting period before I can file bankruptcy?

No. However, if you previously filed for bankruptcy protection, and depending upon which chapter, it may impact upon your ability to discharge...