Credit card debt, should you answer a judgement?

You sound judgement proof so either way it will not matter.

Do government lawyers or general counsel ever respond to individuals or citizens?

If you want to proceed hire a lawyer or forget it and move on.

Will the Arizona Homestead Exemption protect my home from being sold by my former spouse to collect a monetary judgment?

The homestead exemption trumps the judgement but if the property is sold after the lien attaches then you won't get title insurance without first...

Can I be sued for the balance of my loan after a foreclosure if I filed Ch. 7 bankruptcy?

Post petition obligations are discharged. It sounds like the loan mod fits that description.

Can Trustee take Chase short sale incentive?

If the trustee has already abandoned the property then you can argue it is no longer property of the estate nor is the incentive check.

What happens if you cannot pay your bond fee?

All the bonding company can do is inform the court and then the judge can modify your conditions of release which could mean you go into custody.

Can you direct deposit your check into your wifes account in Arizona? The bank is Bank of America. Thanks

Yes you can direct deposit into your wifes account.

I was not served with papers to appear in court.now a loan co. is garnishing my wages .can they do that ?

Only a trip to the court house and a review of the courts file will solve this mystery.

Must I (husband) responsible to pay my wife's medical bills, after my medical insurance paid its portion(80%)?

Probably because your marriage is like a legal partnership and each party can encumber the partnership.

Unlikely but once it hits your bank amount the probability rises.