In Ohio, Tethys Bioscience sending me bill for a service that is, supposedly, two years old. Can they send me to collections?

Check to make sure it is your debt. The statute of limitations may have run if it is yours. Also, you can dispute it if necessary, with them,...

Do I have to sign and submit a reaffirmation agreement B27/ B240A if a creditor/ credit card company has sent me one in mail.

Reaffirmations are strictly voluntary. If you wish to reaffirm (agree to pay back) any particular debt, you must enter into a written agreement...

Is Form B23 the Exhibit D form?

This is the B23, see: http://www.uscourts.gov/forms/bankruptcy-forms/debtors-certification-completion-instructional-course-concerning-financial. ...

Agreed. No need to disclose until you speak with Trustee at 341 meeting of creditors.

Does my credit score affect my fiance's credit when we get married?

Generally, no. This is a common concern for couples about to get married. Fortunately, your spouse’s past credit history has no impact on your...

Can you negotiate the value in Chapter 7 bankruptcy

You can but you won't have a lot of wiggle room. The trustee, depending on your area, may be inclined or disinclined to negotiate much. If you...

I was parked in the apartment complex and forgot to put the parking permit and I was towed. Can I get my car back without fees?

You should ask and find out. Sometimes the permit will have terms and conditions printed on the backside. Or those same terms and conditions will...

Unable to pay credit card. What's the best way to go from here?

Bankruptcy is a last resort. You can start with the highest interest debt and tackle those if you have multiple cards and work your way down to...

What section of the bankruptcy code specifies a time limitation on filing an adversary proceeding for automatic stay violations

That should be a question for your bankruptcy attorney. If you had any stay violations, he or she should have notified you of your options earlier.

Statue of limitations

I think SOL's are 6 years for open ended credit. See: http://www.creditcards.com/credit-card-news/credit-card-state-statute-limitations-1282.php. ...