What should I do when a collections law firm has contacted me?

Student loans are nearly impossible to discharge in bankruptcy. There are rare exceptions for administrative discharge which can be researched...

How much(ballpark)will a chapter 7 cost if me and my husband qualify in Illinois? can we file online, do we need lawyer to file?

You inquired, "do we need lawyer to file?" An attorney is not required under law, but is advisable.

Will I get my money back if custom motorcycle company files chapter 7?

You may be able to claim the bike, if it exists. Consult a local atty and bring the paper work.

If this were a MO garnishment, your employer acted improperly. Garnishments are issued by a court as a collection action following a judgment;...

Must provide last two years of tax returns to the bankruptcy trustee

The MO Eastern district has a form affidavit, unfortunately the link is down, but look at local forms link on the website.

If I am sued for my private student loan debt and have a coborrower on that debt and we both live in different states,

The contract (note) probably controls venue.

Personal liability for hoa dues

You may have a statute of limitations defense or contempt in divorce court.

WHAT WILL HAPPEN IF SPONSOR GET BANKRUPTCY DO HE/SHE STILL NEED TO SPONSOR THE IMMIGRANT.

You inquired, "do the sponsor get tax refund?" If the sponsor can exempt the refund s/he will receive it.

Can bankruptcy take away your primary home if it's paid off? How about your paid off 2002 car?

FL exemption for homestead is one of the most generous in the nation.

Can I help this nearly 3 year old late loan?

You wrote,"Can I get them to pull off the 'late' for 29 months...?" I have never seen a credit report with this notation. Pull your credit...