I am uncertain why you think you could not be sued. Was there an insurance coverage issue or was the bill for your spouse?

Bankruptcy

It won't necessarily affect it at all. But, as attorney Bunce noted, your question was a bit short on specifics.

Why does my credit score remain so low? Is there a legal recourse I have besides a credit repair company or bankruptcy?

You wrote, " nothing is derogatory beyond some hospital bills(less than 2000)" These unpaid bills are likely the principle cause of your low credit...

My FICO score is staying at the same number. I have tried to use a credit cleanup agency and didn't get but 20 points better....

Since you didn't say what the credit repair agency did it is hard to give to give any alternative suggestions.

The key issue will be service of summons.

Is there any help with paying off restitution while out of work on high risk pregnancy to extend the pay off?

You posted this under the area of law as being bankruptcy. From a bankruptcy viewpoint, filing ch. 7 or 13 bankruptcy won't really be of help.

Can I legally have a judgement removed from my credit report because of failure to be served.

The divorce decree doesn't protect you from the civil judgment. You will need counsel to set aside or vacate the judgment.

Equivalency in benefits is not the criteria. From your recital of facts, the benefits are not excluded.

Personal property tax is assessed based on ownership as of January 1st; it is payable on December 31st. That is probably the least of your...

What can be done if a firm files an affidavit saying they were hired by a bank and the banks say they didn't hire the firm?

You can check your credit report to determine if the filer of the affidavit has reported the debt.