I plan to take my mortgage out of my ch13 but stay in ch13 with other creditors that I owe. Can't the bank still sue me?

After the surrender any remaining debt to the bank is a general unsecured creditor that can handled through your plan. An amended plan will be needed.

If I have no income and nothing of value, and can't pay back a debt at this time- can I go to jail?

Jail is out of the question.

6 years unemployed, what good is my credit score?

Good credit helps with many expenses such as auto insurance and others types of insurance.

If a creditor is taking payments from you can they turn you over to collections?

They are within their rights.

My home was foreclosed in '07/car was re-possessed in 08, filed for Chapter 7 bankruptcy later in 2008. Will I ever be able to

Yes. get a credit card and use it responsibly. go to creditcards .com

Are private students loans sold to collections treated more like a credit card debt or federal student loan debt ?

There are all the same its the collection efforts that vary. Private lenders are more aggressive.

I have judgment in Florida 10 years ago and now I live in California can they garnish my wage in california

The must first domesticated a valid judgement in California then apply for a writ of earnings.

Knowing the authority of the writ is important in your case. is it a writ of general execution?

Can I convert a my Chapter 13 filed in Georgia to a Chapter 7, since I recently moved to California?

Yes you can but there are many factors that must be considered. Take advantage of a free consultation and sit down with an attorney.

I filed for bankruptcy in Oct. 7th 2005 and got the charged off notice in January 2006. Can I file for bankruptcy again??

You can file a chapter 13. Look for an attorney that will do it for no money down.