If i file chapter 7 bankruptcy what happens to my home that I own jointly with someone 50/50?

Your contractual debt is--almost certainly--discharged. Your divorce decretal obligations--if you file Chapter 7 -will not be discharged.

Would someone please help me with my bankruptcy real estate nightmare?

NMHO, you will not be able to reopen your bankruptcy to reaffirm the debt and it is probably not in your interest. To make the attempt.

Can a thrid party "unifund" summons me on a 3rd party debt what can i do?

The right to collect your debt was likely sold--as an account receivable--to Unifund, which company is subrogated to the rights of the original...

I filed chapter 7 and was discharged and months later a lien was sent to my employer for garnishment 100%

A Chapter 7 discharge is not all-inclusive. From your recital of facts, your debt is likely excluded from discharge.

I filed chapter 7 and was discharged and months later a lien was sent to my employer for garnishment 100%

A Chapter 7 discharge is not all-inclusive. From your recital of facts, your debt is likely excluded from discharge.

Community college is refusing to release transcript after Ch. 7 discharge. Can they do that? I did repay the US Dept. of Ed.

Their position is that they have decided not to pursue a non-dischargeable debt, but they assert that you have no right to obtain a transcript and...

Can the lender collect the balance of a non reaffirmed mortgage if we use our right of redemption?

Your right of redemption is based on State law and will not supersede the Federally-granted order of discharge.

If I file for bankruptcy clear out my court fines

Court fines are not dischargeable.

Usually property of the bankruptcy estate is limited to property in existence on the date of filing the bankruptcy. See, 11 U.S.C. § 541, but there...

Got a loan from Cash Call. Defaulted due layoff. Was called saying I have 4 charges . Can they do that?

Check online or physical court records to determine if a case has been filed.