You have an argument that says the medical bill is the sole debt of your spouse because you did not sign the contract. medical bills are sole and...

After sending a demand payment letter and the defending will not pay how do you proceed in collecting what is owed to you?

Apply for a writ of attachment.

What are my tenant rights if our landlord files for Chapter 11?

You have the same rights as spelled out in your lease unless they are modified by the plan

Need help to settle/negotiate mortgage with Bank Of America instead of bankruptcy or convince my ex to short sale the house ASAP

Sometimes there id no good answer.

I am being sued for the balance of the loan for a reposessed vehicle. I have had no income in over a year. What happens?

They get a judgment that is probably worthless.

Several years ago my brother loaned me money because I became disabled. I am finally in a position to repay him.

The note should stipulate how the payments are to be applied.

Do I need to be behind in my bills to file a Chapter 13

No

I OWE a past loan,the collection agency says i have to pay $176.00 every two weeks.do they have the right to refuse lesser payme

They are negotiating. you can too.

Can a judgement be placed on your credit report as a personal guarantee if you never received correspondence to appear in court?

Only a review of the court file will tell this tale.

If I go to get advice but change my mind and don't do bankruptcy do I still get charged for service?

They get to charge you for any costs forwarded and for the time expended based upon a reasonable hourly rate.