Do i need a lawyer to represent me on the scheduled hearing when I cannot make it on that day? Or should i just re-sched?

I think the answer depends on a few things. If you are generally available then you should call the court to ask about rescheduling. If you are not...

A medical office sent me a bill. They agreed to set a monthly payment plan. I made monthly payments for about 2 years.

I don't think there is a legal issue with the debt collection agency reporting the account on your credit within 30 days. You have legal rights to...

Can I file chapter 7 &include my home just for safety but start paying the monthly payments again without having to by past due?

I don't think that a Chapter 7 will accomplish what you need to accomplish. A Chapter 13 would give you time (3-5 years) to catch up on the 23k.

I just did chapter 7 and did not go to the court date yet can new jersey unemployment take my refund now?

If the overpayment was made after the filing of the bankruptcy then the automatic stay might not apply to efforts to collect the debt though it...

How do i get me garnishment lowered

Generally bankruptcy is the only thing that will stop the garnishment unless you have a basis for challenging the debt.

I am renting a room out to an adult foreign exchange student, how quickly can I evict given sexual misconduct?

I would say that first and foremost you need to call the police. The criminal process might well help you faster than landlord-tenant law can. The...

Can a collection agency that you have NEVER been contacted by,GARNISH YOUR WAGES AND TAKE ALL THE MONEY FROM YOUR BANK ACCT

You need to contact the court to find out if you have a judgment against you for this debt. If you do, I recommend that you get a copy of the court...

Wife began her student loan before we married. Is divorce the only way to ensure avoidance my wages be garnished?

As a practical matter creditors are only going to garnish a bank account with her name on it. Your wages are not subject to garnishment for her...

I recieved a pet cure notice in the mail it says 10 days or start eviction process

Regular first class mail is effective service of the notice. You have an additional three days by statute to comply with a mailed notice. It would...

Based on your description I think that you are better off dropping this matter. You could have a trespass claim against your roommate but there do...