Debts and Credit

I have 2 separate home loans with my parents and I would like to consolidate both loans into one loan at a new fixed annual rate of 4.5%. I currently have a Mortgage (Wisconsin Form 6-S) and Fixed Rate Mortgage Note (Wisconsin Form 6-N) in place for the 2 loans noted. What legal documents or forms do I need to initiate to consolidate the 2 loans into one loan?

What are the defenses for a warrant in debt?

I am a 76 year old woman who, because of a 'scam', found that I have a travel trailer on my credit report. I was a party to this so it is not the banks fault, I just did something foolish. Now I found the person who was involved and has paid on the trailer for 5-1/2 years is not going to pay any longer. I went to work a year ago and was able to keep up on the payments, however, my job ended and I cannot pay the payments. The principal has all been paid back to the bank but I am upside down on current value. I have someone who will buy it on a short sale (about 50% of what is owed) but the bank won't consider the offer and wants to repossess it if/when I no longer make the payments. At this time I am 5 days past the due date. If the bank takes it they will have to transport then sell at auction and will only get a few thousand dollars for it. They will then sue me for the difference which will, with costs, be approximately what I owe on the trailer now. I have a 1996 pickup, a mobile home on leased land as my only real assets. I am on a deed with my son on his house but I have no equity in it. (We did this because both of us are single and want the other not to have to go through probate, etc. if something were to happen to him). What can or should I do? I have an excellent credit rating and FICO score and hate to ruin those in the last years of my life, it is an honor thing. I just cannot have the bank take the trailer or place a lien om my residence nor have them involve my son's home. Should I transfer the ownership/title of the mobile home to one of my children (have tried to sell it and can't) or put it into a family trust. What other alternative can you suggest?

I have 2 credit cards that my ex domestic partner abused and now will not pay. What can I do to make sure my he pays them so it will not affect my credit as well.

I'm being sued for a charged- off credit card balance that I had a dispute of two cash advances. my credit limit was $2000.00, the collections are saying I now owe them over $5,500.00. Can I get this dismissed on the basis that my dispute was never resolved due to the transition of Fleet bank to Bank of America. My court day is July 1st. No one has provided me with an explanation of the two disputed charges. I'm only disputing the two cash advance charges and associated interest and fee's.