Yes, an overdrawn bank account is really just a line of credit from a bank. Such a debt has no special status in bankruptcy and can be discharged.

How do I proceed with debt consolidation.

That sounds much more like a bankruptcy scenario than debt consolidation or settlement. Understand, debt consolidation is just a fancy term for...

Sued for filing credit card dispute

I hate to say it, you are on your own. Here's the thing that doesn't add up. You paid your attorney fees by credit card. Then, after paying,...

Credit reports show no accounts, but debt collectors want to collect.

Your credit report is NOT a legal documents. It is in no way and official record of your debts. Whether a debt is listed on your credit report has...

Legal precedent for civil action, for botched transaction, against university in regards to Perkins loan?

Candidly, the botch-up here was that you paid the University, and not the collector. That always messes things up. If an account is in collections,...

I filed bankruptcy in 2004 before the laws changed. There is a judgment from 2002 now garnishing my wages.

Ouch, that is tough. An initial course of action would be to file the notice of bankruptcy and bankruptcy discharge order with the court that...

If you have money to buy debt, you have money to hire compliance counsel. (you will need compliance counsel on retainer anyway for the various...

Chapter 13 - Do you have to make a certain amount of money so the courts don't dismiss the case?

Possibly. What you are talking about is called "feasibility." You have to show a real ability to pay the chapter 13 plan. In that sense, you need...

Is there anything I can do about my student loan interest that has accrued?

Pretty much no to all your questions. You cant sue them over the interest rate; since you seem to be paying on the loans, no settlement; the only...

They told me that i could get a job in the medical field even tho i have felony what can I DO

Your question is not clear; what are you really asking? Unless you have the statement (you can get a job in the medical field without a felony) in...