How are assets found? I have reason to believe my ex-husband has a bank account in another state.

A sophisticated private investigator may be able to help.

Wife was sued for credit card bill. Can I as her husband appear in court without her being present as she is out of state .

You can not represent your wife. You can appear and represent yourself only. Arizona being a community property state does not affect this analysis.

Can a doctor turn my account balance over to collections if I have been making monthly payments?

If you have breached the original agreement to pay and have not followed through on his offer to cure at $25 / month then he can send the file to...

What do you advise that I do to correct this because do not even know what this so-called debt is for?

Sounds like a trip to the court house to review the file is needed to access the situation.

My personal debt and household monthly expenses has exceeded my income. Should i consider bankruptcy?

Much more information is needed prior to recommending a bankruptcy filing.

The garnishee is usually your employer. It sounds like the attorney has received information that the garnishee is not holding any assets due to...

Should I be worried that the debt collector is not dismissing my case despite the fact that the debt is not mine?

Not if the debt is not yours. go to court and present the evidence.

How to file bankruptcy with no money

You are judgement proof. Bankruptcy is used to protect assets like wages but you don't have any. You do not need to file at this time.

Can credit card companies garnish my wages if I stop paying my debts. I live in WV.

It will take them several months to obtain a judgement and apply girl a writ of garnushment so you should be fine.

Ch 7 discharged/closed - Want to do HARP/loan workout on first mortgage. 1st-3rd mortgages were all IIB.

A loan for 270k on a house worth 220k is usually a bad idea.