Civil demand was reported to CRA, I disputed with CRA,

You can also place a personal statement on your credit report explaining the circumstances.

If your a small business owner and you want to file bankruptcy can you file a chapter 7 we are a sole propiertyship

Yes you can file chapter 7 so long as you meet all the filing requirements. You need an attorney that understands the totality of your financial...

401k withdrawl for college tuition of dependant and chapter 7

This is a post petition transaction so your money is safe from the trustee.

Can I use my 401k for a1st time home if I have defaulted student loans in Minnesota?

If the home is not pledged as collateral for the student loan , which it isn't since you did not own it at the time the loan was obtained, then it...

I had a collection agency serve me with a summons the same paper twice.

Sounds like they a making sure you were properly served since you seem to claim that the first service attempt was defective. Each jurisdiction has...

I received a judgement against a business(child care center) that I was co-owner. The owner is stating that business has

You need a lawyer. The answer depends on many factors. Is her business formed as an LLC? Does the current business use the assets of the previous...

What does ' the subject debt may be paid voluntarily The creditor is permitted to accept voluntary payments" means ?

It means that you are permitted to make payments and or partial payments.

Either a bankruptcy attorney or a consumer rights attorney. You will find them online.

Do I need an attorney?

Negotiate directly with the creditors directly. Any money you would spend on an attorney in this instance is better spent paying down your debt.

Ex filed bankcruptcy after which one of the property she had sold fraudulently was quiet deeded back to community property.

If he fraudulently transferred property prior to filing bankruptcy and received it back after the bankruptcy then the trustee could seize the...