2012 federal tax becomes dischargeable 4/16/16. Should I wait another year to file bankruptcy?

I'd need to know more before I could say which is the better course of action. If you decide to wait, there are things you can do to make being...

Just don't mix up your state and federal holidays.

Two credit cards with chase were charged off in 2012. I received a 1099-C for the 2014 tax year. Can I no longer be sued?

If the Statute of Limitations has not run, you may still be sued for the debt. Rob

Is there anything I can do to help run out the clock on a debt close to the SOL?

What ever you do, don't send them a nickel or you'll start the Statute running all over again. If they do sue you (and in truth they probably...

Do I have any recourse after receiving a wage garnishment in which I was never notified this was taking place and received sum.

You can file a motion to set aside the judgment. However, that can cost a lot quite a bit and it will only allow you to defend the lawsuit. If...

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Can deed of trust keep away the creditors?

unless you get fair market value, it's going to be a problem. You should talk to an attorney in person. There are certain things attorneys won't...

Can I file for bankruptcy?

you have too much equity / assets for a chapter 7, unless you want to give them to the court. You might be a good candidate for a chapter 13. You...

Are prevailing party court ordered attorneys fees dischargeable in chapter 7 bankruptcy?

generally, attorneys fees are dischargeable. However, if they are ordered in the nature of sanctions for wilful conduct maybe challengeable. I...

If I filed a CH 7 bk with the courts and realized that I needed another year before I could of filed it what happens to my case?

your case will be dismissed and you'll be able to refile later if it was a simple mistake.

Can a lender that issues a 1099-C on a student loan, subsequently try to collect on that loan? Or collect interest?

Matt's right and this is terribly unfair to you. I get clients all the time that have paid taxes on debt forgiveness only to be sued latter by...