Is there anyone in or near Newark NJ who has an active study group, or who wouldn't mind meeting in person maybe once or twice a month?

Hello everyone, I am new to the group and was looking forward to asking a few questions tonight. However, since class was rescheduled, I was wondering if there is anyone who is available to help. My current situation is that AT&T, Verizon and my utility company aren't honoring my performance. I was recently laid off so there aren't much notes coming in. The goal was to hopefully have some success in that area so that I can free up funds to continue to educate myself and free my family. I am now at the point of wanting to sue so I was going to send notice of intent to litigate, dishonor notice, affidavit, POA, the UCC1 and whatever else I may need. So, my question is: Is there any advice, verbiage, case law, that I should be using. When I sue can it be in State court as opposed to federal? I have written my revocable living trust, Irrevocable Common law trust, and my Private Ministry Trust, I have to get the EIN for each. Should I just transfer the liability to the irrevocable trust instead of suing and going back and forth. I just want to make strategic moves that I can currently afford to make. Thanks so much in advance.