Is legal representation the right approach?

Seems like you had a contract. You breached the contract. They invited you to make an offer to catch up. You made an offer. They rejected the...

The absence of a court date, by itself, does not make the summons defective.

The bank did not notify me of the garnishment order bank released the money i did not know of it tilli checked my balance witch

You are not given you notice of a bank levy for the exact reason you'd want it: if you knew, you'd clear the account out. Due process requires that...

Filing Chapter 7 Bankruptcy, I have a car with a loan attached that I would like to keep, how can I? See Details for my dilemma

Vehicles are almost always secured debts. This might be a matter of semantics. Of course you list all debts, but in Chapter 7, with secured debts,...

Do you recommend that a person file a bankrupcty (in CA) if they are judgement-proof?

Bankruptcy is not good for everyone's situation. Do you have to file bankruptcy? Of course not. Can you? Yes. Should you? That's a question on you...

What kind of lawyer do i need?

Bankruptcy may NOT be the best option. However, bankruptcy lawyers see similar debt situations all the time, and try to advise people how to deal...

I need help on a foreclousre. Is an attorney the best option?

This is a common trap of shooting for a loan modification. People are told to make partial payments by their banks, they do everything they're...

Can a credit union transfer funds from my account to a over due payment of the same account?

Yes. Under the "right of setoff," a creditor has a legal right to seize funds of a guarantor or the debtor with the same institution.

I understand child support isn't dischargeable, but what about spousal support? Or other debts determined in family law court?

Probably not dischargeable. See 11 USC 523(a)(15). It's fairly broad.

Attorney failed to file Ch.13 paperwork prior to confirmation and now case is dismissed. What are chances court will reinstate?

Without more information, it's hard to assess exactly what's going on. Yes, you can vacate dismissals and reinstated previously dismissed cases. ...