What exactly do I need to file an adversary claim to get my student loans discharged in CH. 7?

Student loans are extremely difficult to discharge. You can google "complaint to determine discharge ability of student loan form" to get a sampler...

Am I entitled to the tax refund?

As usual, Mr. Buck is right on point. You will be entitled to the refund if you file a joint return.

Can my new spouse be sued for debts I owe if I file bankruptcy alone. Can her assets be seized to pay my debts?

Texas is a community property state, not a community debt state. Your new spouse will not be liable for debts that you incurred prior to the date...

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Can they sue me?

No. And you may be entitled to overtime pay too.

If My husband is being sued by a bank, can they keep my tax refund?

The IRS won't offset a tax refund to help a bank collect a credit card debt. But if the bank gets a judgment there are many other things that can...

I had a previous account with Ace about 14 years ago. That debt was in a bankruptcy in 2001. How can they threaten me?

The notice you received is a violation of your bankruptcy discharge and the federal fair debt collection practices act. I recommend you seek advice...

Can the IRS do this without even notifying you that your tax return has been garnished and why?

The Treasury Offset program allows the IRS to keep your tax refund for certain types of debts like child support, benefit overpayments and SBA loans.

What should I do about an irs audit where we made the mistake?

In order to deduct a mileage expense you must have a mileage log. You should respond by saying you made an error and file an amended return.

Do you know of any lawyers in the Texas area that works pro bono on bankruptcy?

Many firms will file chapter13 for you for just the filling fee as a down payment. It sounds like your payment would be les than $100/month for...

Moving expenses is shown as Taxable income on my paystub. How to handle this in my tax filing ?

Federal tax laws allow you to deduct your moving expenses if your relocation relates to starting a new job or a transfer to a new location for your...