How are damages resulting from Credit Reports are inaccurate and disregard hundreds of letters from me and the creditors?

Maybe. The Fair Credit Reporting Act provides statutory damages. You need a lawyer.

If you move to a community property state like Arizona then your wife will not be responsible for your premarital debt. I will leave the question...

If a spouse while married incurs credit card debt for business purposes, does that qualify as "separate debt" during divorce?

As far as the Decree if Dissolution goes its fine.

Had Ch7 discharged with some medical bills. Was hospitalized the same week of the filing.Still don't have money, what can I do?

You sound judgement proof so don't worry about it.

Can Capital One (Debt Collector) subpoena original credit application?

By using the card you have ratified the agreement. your argument is weak.

Do I need to bring bills to substantiate my income and expense worksheet for a debt settlement hearing I have tomorrow.

We can teach you how to practice law here.

If a company accepts a check with FINAL PAYMENT written on it for a settlement of a debt can they try to collect more money?

Maybe but final settlement agreements are usually more robust than the one on your check.

How do I quash a garnishment that I can pay in a few days. It has been mailed but not received?

You can call the attorney and make an offer to pay it off conditioned upon him filing a satisfaction of payment with the credit bureaus .

What information should I include in an offter to settle a HOA judgement debt?

Offer them 50% as a full and final settlement and go from there.

Do attorneys working for debt collectors have to produce documents for me before I give any them money and can they arrest me.

You can not be arrested. Do not pay these guys they are crooks.