The writ of garnishment attaches 25% of his disposable income. A bankruptcy petition will kill it immediately.

What are options for a home loan after filing ch7 BK which included the discharge of a 1st & 2nd hm mortgage 2yrs ago?

You won't really know until you apply for the home loan. Talk to a lender.

If I recieved a payday loan over the Internet and live in North Carolina, c an they pursue me legally to get the money?

Yes they have a right to pursue the debt because you broke the agreement.

I just filed a chapter 7 bankruptcy. How will a settlement from a car accident/injury affect it?

The personal injury portion of your claim is yours. The property damage claim is yours up to the value of your auto exemption any remainder belongs...

What will happen with my house debt and equity line of credit if i stop paying mortgage after filing chapter 7?

The discharge applies and you are not liable for the debts.

When should I write a dispute letter to the debt collector knowing the debt is not mine?

First, write the dispute letter. Then if they ignore the facts you will have a cause of action.

I live in Texas and I have an unsecured loan & the companys Lawyer is threatening to sue me, can he sue me and if so will I have

He can file a lawsuit and obtain a judgement. Then he can attempt to attach your non exempt assets.

Yes you can file but it might kill the loan mod. Talk to the lender about it.

Can you get arrested for being late on a payment over a hospital bill?

You can not be arrested. They can attempt to garish you wages.

Am I responsbible for the student loan from my wife ( Florida)? . Am I liable for additional credit card debt while filing?

Unless you co signed the note for her student loan that debt is hers alone. The same general rule applies with credit card debt except you don't...