For heaven's sake, if you have enough stuff to worry about, pay a lawyer to do your will properly.
I don't know what you mean by prepare on line. I am sure you can download forms, which may or may not conform to Mass. law and may or may not achieve your intended testamentary goals. But the key to an enforceable will lies in the formalities of its execution, which involve a notary and two witnesses. You cannot do it yourself on line.
If this is a second mortgage on your home, and it is wholly unsecured, then what you are trying to do is generally referred to as stripping it off, not cramming it down. In any event, the court's confirmation order, based on your Chapter 13 Plan, should provide that upon completion of the plan, the lien will be discharged. You make your payments for the life of the plan until discharge. Then, if the lender does not record a release, you can record a certified copy of the court orders, which...
Yes, any obligations originating after the FILING date of your case are not covered by the bankruptcy discharge. This would include taxes and insurance. However, as a practical matter, if the mortgage company has been making these payments, it's possible that no one will ever come after you for them.
Of course you CAN leave. Whenever a divorce case is filed, the court will make an equitable division of assets. However, if your ultimate goal is to keep the house, you may put yourself at a tactical disadvantage by moving out now. A lawyer can advise you on the pros and cons. You should be looking for a divorce lawyer sooner, not later.
I agree with the comments of previous responders, but would just point out that your former husband has at least as much to lose as you do in bringing this matter to the attention of the authorities. Assuming no children resulted from this marriage, I would think you can just quietly put it behind you.
Two issues here: liability and common sense.
"She promised she would help pay me back" makes me wonder whether you had an agreement to share these costs BEFORE you paid the money. If she only made this promise AFTER you paid the money, it is not considered a legally enforceable contract. Also, "help" is a little vague for a court to find that she is responsible for half the money. Also, if you're still living in this place, you will eventually get the benefit of the last month's rent and...
Taxes owed up to the date of the foreclosure sale are usually paid by the buyer at that time. And the most recent property taxes, if you owe them, would not be dischargeable in bankruptcy anyway.
But because of other liabilities that you can incur as a homeowner, it's often a good idea to hold off on filing bankruptcy until after the foreclosure, unless there is some other pressing reason to file sooner.