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It can be filed in one day. Communicate with the attorney’s office to confirm it will be filed. ◉

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The client is entitled to a refund of any unearned fees.

A letter to the creditor stating you have no attorney should suffice but if they continue to refuse to communicate with you you could hire a new...

Social security is exempt. If a levy is done, file a claim of exemption.

Yes you can file for garnishment of the non-debtor spouse.

See if the court has records online where you can search for your name. ◉

They can levy but then a claim of exemption is filed showing the funds are not subject to collection. ◉

Some threats are lawful, such as they will sue you for a valid debt. Consult with experienced debt collection defense attorneys in the state...