What do you mean about your loan amount being more than you were told? Presumably, you signed the loan documents. Are you being invoices for...

Is there a polite way to inform a judge that his understanding of the law is incorrect?

Although your post is quite clear to me, and I agree with your summary of the law, you might be well served to hire a local attorney to file a...

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I have lots of payday loans on payment plan I asked a lawyer and he said do not pay your advice no gardishment close accounts

I think you should reword you post and write in complete sentences, with periods. Garnishments are only fired one judgments.

Should I seek legal council?

If she's threatening you with physical harm and you are in fear, you could certainly hire an attorney to file for an order of protection. Or you...

What kind of an attorney to I get advice or help from? Civil attorney?

Most general civil practice attorneys could give you advice. It would be helpful to have the attorney review your contract. It sounds like you...

Co. collecting on 20+ yr closed account. Original contact or payment history not available. Disputing, what are my rights?

Definitely meet with a local attorney who is familiar with the FDCPA. Many won't charge for a consult. Good luck.

Is it legal for a landlord to lie about lease status to potential new landlord when they are checking history and references?

I can think of a legal claim or two you could make but it wouldn't be cost feasible to hire an attorney to sue your landlord.

Myself and my wife have filed for bankrusy to save our home but the owner of the park where my home is at keeps sending me stuff

I'm nit sure what you mean by sending "stuff."

Subpoena prior to Service?

You'll need the judge's permission to issue a subpoena prior to serving the defendant. File a motion and request permission.

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My husband and I moved into an apartment I have moved out 4 2 months can they take me to court if I haven't signed the lease

How can your name be "taken off" of a lease if you never signed the lease? If you signed and breached the lease expect a judge to enforce the lease.