I opened a credit card in my 4 yr old child's name. I didnt pay it and now a suit has been filed. Prior to the suit being filed,

Pay the debt. Money sometimes cures mistakes like this one.

Chapter 7 Bankruptcy waiting period for buying a house

Each lender has their own specific underwriting rules. Only someone with knowledge of those specific rules can answer your question. Best thing to...

Going through a chapter 13 now and I'm surrendering house. How long will I be able to stay in house before being forced to move.

That depends on the bank. Technically when you state the intention to surrender property secured by debt that intention must be carried out within...

What part of my IRS debt counts towards the debt ceiling in a chapter 13 Bankruptcy

All of it. If a Federal tax lien has been filed than some of it will be considered secured debt .

Florida house in bankruptcy

Maybe. You have the Florida homestead statute on your side but your intent to hide behind this statute in an attempt to hinder collection attempts...

Am I safe to default on a loan?

Yes you qualify to file for chapter 7 bankruptcy protection. You also appear to be judgement proof so with a little bit of preventative maintenance...

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I have a rich brother who has gifted me about 30,000 dollars a year for ten years which I have used in part to buy internet drug

Wow. You probably need to discuss this matter with an estate planning attorney. Good luck.

Chapter 7 Bankruptcy waiting period for buying a house

The rules of each individual underwriter will control your specific loan application process. Only someone with knowledge of those rules can...

Can i get a new mortgage 2 years post BK with a 690 credit score?

The only way to really know is to go through a pre qualification process or better yet an actual loan application process. Try it to find the answer.

What can creditors and collectors do?

Probably nothing. If you are served with a Summons and Complaint then your attorney should be able to file a simple Answer for a nominal fee.