Your best course of action at this juncture would be to retain an attorney. It is inadvisable to represent yourself "pro se" in any sort of trial...

Legally in Tx can a collection agency who is not the lender call and threaten to summons me to court for online payday loan?

Just adding to the answers of Mr. Kim and Mr. Erikson, the direct answer to your question is that under Texas state collection law it is perfectly...

I've paid off 32% of my bankruptcy which was what the court said i need to pay in less than three years.

First off, in a Chapter 13 it is always advisable to retain an attorney due to the complexities in the law. Second, what I assume that you are...

Do the trustee will take lump sum from the life or accidental insurance if one of the bankruptcy filer died?

First off, I am operating under the assumption that you have not retained an attorney in relation to your bankruptcy and that you have filed a...