I need to reply to a complaint in letter form do i need a lawyer?

Yes.

I am currently facing a foreclosure sale scheduled for next Friday, Washington State Chpt 7 filed I was discharged in 2/15/2013.

You would also be able to file a chapter 13 if you had regular income.

If I file bankruptcy can the trustee not allow me to reaffirm both my car loans?

I agree with the two previous responses, but simply want to expand on "undue hardship." If you are representing yourself and your net income is...

How does Chapter 13 bankruptcy affect a co-signer?

Technically, they could come after the co-signer unless the co-signer is your legal spouse/partner, in which case the automatic stay would apply to...

Can a company still send statements and charge late fees every month if wages are being garnished on behalf of that company?

If a creditor is garnishing your wages, then they must have obtained a judgment. They would be entitled to interest pursuant to the judgment, but...

Can I file bankruptcy on this civil suit to absolve the debt? What can I do, what are my options?

These types of situations are generally very fact driven. You need to speak with a local bankruptcy attorney to get a better idea of your options.

I've been paying my civil demands but I can no longer nor want to pay it, will it go to collections and/or will I get in trouble

Well, its rare to go to jail over collections, but it depends on what happened. Generally, the only criminal charges could be fraud. Depending on...

Bankrupcy

Also, check with the bankruptcy court. Some jurisdictions have pro bono help.

When making a list of creditors that I owe, do I use the original creditor or do I use the collection agency?

Include both parties, but list the debt only once. There is a spot to give "notice" to additional parties for debts listed in the schedules.

Long and short, technically it should, but there is no guarantee. The bankruptcy stay should be in place, but if they Sheriff executes the order,...