Are my school loans counted towards community debt when my wife and I divorce? Meaning will she be responsible for half?

As a general rule, school loans are awarded to the person who took them out. After all they're getting the benefit of the education and taking that...

On July 2016 (7 years) will this debt fall of the "record"? If so, is there any action required on my part?

You are correct, it should fall off your credit report after 7 years and the statute of limitations is 4 years.

My car is a 2007 in which I am making payments. I owe almost as much is it is worth in fair conduction. Does CA. have wild card

Yes, there's a wildcard exemption and two possible auto exemptions. Please contact a local bankruptcy attorney for a free consultation. You can...

Will I be able to keep the $46,000 from the sale of my condo (even though I am not purchasing another home) when I file BK?

Those proceeds will not be protected under the homestead exemption unless reinvested within 6 months. There are other exemptions that may help you...

Assuming you don't own a home with a lot of equity you should be able to keep that money under the wildcard exemption. You don't need to hide it or...

What can we do to get our money did what we were asked keep changing on us

Sounds like you have a mess on your hands, which is going to be too complicated to fix in this forum. I suggest searching Avvo for a few attorneys...

Should I file bankruptcy?

We definitely need to know what your income is what roughly your assets are and how much in debt you have before we could give you some general...

Since I wasn't behind on my payments what gave them the right to take it ? Was it legal to make me refinance at a high rate

Do you sign a "Reaffirmation Agreement?" If not, in most areas of the country the lender can repossess your car even if you're current on the...

What options do I have for holding him responsible for the debt? How can I protect myself from being responsible for the debt?

Never do stuff like this. Chances are you're stuck, because any solution will cost $ and success wont be guaranteed. How did he get the boat...

What do I do? Do I wait for them to garnish wages and ask for a decrease in payment

Of course, if you qualify and file bankruptcy you can eliminate this debt entirely. Otherwise, you could send them payment for what you can afford....