I did not receive a homeowners invoice for 12 months. They now want back pay, and I can not afford it.

Did you receive a booklet? If so you are on the hook and probably so even without it. When you joined the HOA (I assume that is what you are...

How much trouble am I in?

Your cosign expired with the end of the lease. And if you only made a verbal commitment then they couldn't maker it stick anyway. Any contract...

How should a property included in a Chapter 7 Bankrupcy be report on my credit report?

Normally you will have to wait up to 2 years at a minimum to obtain financing on a home mortgage. The debt will show as discharged but it will also...

Does the time table for refiling for bankruptcy start on the filing date or dismissal date

In my jurisdiction, if you have a chapter 7 dismissed, you cannot refile for at least 180 days from the date of filing. As you stated you lose some...

If you are just receiving social security and ssi can a creditor garnish those wages in small claim court

Both Social Security and SSI are exempt from creditors so they may not be garnished. However, if you have any assets that are not exempt the...

BANKRUPTCY + LIBEL: in a chapter 7 petition granted discharge in all other aspects, what speed bumps might be otherwise anticip

If you have for sure filed a chapter 7 bankruptcy and were discharged, then you are pretty much out of the woods unless the creditor was not listed...

I filed for Chapter 7 and was granted a discharged. It included my home, however I received a loan modification.

Your bankruptcy was discharged over 2 years ago therefore the automatic stay ended when the discharge took place. This is a post bankruptcy debt...

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I was in a small fender bender a week ago. I have no bodily injury insurance and now there sewing for injury's.

You are what is know as "judgment proof" If you have no insurance, assets or money then there is nothing more they can get from you unless you have...

If the incident was an accidental shooting, but the police says it's a domestic violence incident resulting in criminal charges

Since there is a dispute (at least in the minds of the police) there could very likely be criminal charges files against the shooter. However,...