How do I respond to being sued by a law firm regarding a debt from several years ago that I believe was paid?

Pull an online credit report to see who is claiming/reporting this debt.

Im on ss and not able to make ends. can I file bankruptcy ,keep my home and car. if so will payments be adjusted ?

You wrote, "if so will payments be adjusted ?" A: adjustments of payments is not routine in bankruptcy.

During my Chapter 7 bankruptcy, can I be using the maximum $15,000 Missouri homestead exemption to protect my property despite?

You wrote, "Section 26 states: "Borrower hereby waives all homestead exemption in the Property to which Borrowers would otherwise be entitled under...

Is there a statue of limitation on a navy exchange dept from 2003 once its sent to a collection agency?

You are likely receiving a bit of double talk from your informant: if the account was sold to a collection agency, you do not owe the Navy...

I filed chapter 7 in 2005. now i have found judgements that should have been filed under that chapter. what can i do?

Many jurisdictions would include an unlisted, unsecured Creditor as having the debt discharged in the Chapter 7. The greater problem may arise is...

Tenant filed a chapter 7 bankruptcy proceeding after I started eviction at the magistrate

I read your "police citation" language to mean that the Commonwealth is proceeding as the complainant in a criminal/ordinance violation issue....

When a landlord files for Bankruptcy ( unsecured debt only) are tenants notified?

If the tenant is a Creditor or you hold a deposit for security, list them on your filing.

Can a credit union keep a vehicle tittle as collateral for a unsecured loan.

Cross-collateralization of loans is common for credit unions. In Eastern District of MO, where I practice, the practice is legal.

Been sued by collection agency

Check the court file to determine if the server listed you as being served. It is usually called the "Return of Service."

You wrote, "Can we include payday loans or installment loans in ch 7. How can we get them to stop calling me and family members." Yes, include all...