I would contact a local bankruptcy attorney, but it is likely that the Tax Refunds can be used to pay off creditors that you have debts with.

It is likely to effect both you and your "ex" because your name is still on the mortgage, It is a debt that needs to be included in your bankruptcy...

Yes. The Trustee that is assigned to the bankruptcy may still come to you to pay the debt owed.

The review of a modification by the mortgage company will not terminate action in court to proceed with a Foreclosure or Sell in many instances....

Why am I receiving a mail from a debt collector if the bill was paid and will it effect my credit score?

Yes, this could affect your credit score should the collection company report the debt as delinquent. Usually the hospital will wait 30 days plus...

What is our responsibility for this debt?

Gather more information. Could the ex-husband have been an cosigner for the alleged debt? Doesn't seem likely given the circumstances but I'd ask...

If you filed BK ch7 in Ca in 2015 and charged off same year ,can the county attach a lien evan if it is only for assessment fine

Speeding is a moving violation, so not dischargeable in itself in a Chapter 7. The county fines are not going to be dischargeable in a bankruptcy...

Is this a scam?

This is highly suspicious. Do not provide this company with sensitive information and refuse to discuss the debt further until you receive a...

What do "payment default" mean on a motion to dismiss ch 13 for failure to pay? "payment" sound like something already paid

As other attorneys mentioned, a Motion to dismiss for failure to make plan payments means that you've fallen behind on the Chapter 13 monthly...

How soon before filing Ch. 7 can you incur a new debt?

You should not undertake additional debt while contemplating a bankruptcy. Since you are planning to file a Chapter 7 within the next 14 to 21...