My spouse opened credit cards in my name for years, I just found out about it Jan this year. I am a 6y Navy Vet. What can I do

Revoke the power of attorney. Put a block on your credit with Credit Reporting Agencies to stop additional fraud attempts.

Can slow payment of a sm. medical bill effect my credit?

Yes, if the Doctor reports to the CRA (Credit Reporting Agency). Given your credit scores, if appears the Doctor does not report.

I noticed that BofA keeps reporting CO every month after bankruptcy discharged.

What I gleaned From your recital of facts, is that the lender has been correctly reporting the debt status since January 2012. I wonder if you...

Once the credit report is requested who sends the applicant the report that it has been requested within 3 days?

You can get a CRA report online. It usually takes several minutes, not 3 days.

Am I responsible for debts accured before my marriage to this man ?

You wrote, "Am I responsible for debts accured before my marriage to this man ?" From your recital of facts, "No."

HOA Fees & Insurance Collection in Arizona After Chapter 7 Approval

You wrote, "In short, if the HOA fees and insurance payments were current through the court's final approval, and the house was given up...

We filed bankruptcy and were discharged on 7/2012. How can we get our trustee to get moving on the case to liquidate our asset.

You wrote, "Our lawyer said it would cost us $500 to send a request to sell items and we can't afford that. Would it[?]" The right to charge...

My son onced owned a car it got repo, now 7 years later got another car and still owed on previous car won't take pymts wants

It would require a judgment & levy.

I have a judgement against me from Chase Bank MC & they have frozen my bank account for 30 days can they do this?!!

File your claims of exemption, the county Sherrif's department has forms.

See, also: http://www.doney.net/bkcode/11usc.htm#ch05sIII