The ex parte hearing is likely b/c your father defaulted on the complaint (failed to answer within 30 days).
You may also have a statute of limitations issue, but you definitely have a bankruptcy issue.
Bankruptcy doesn't cost that much if it is a simple Chapter 7. You should take advantage of a free consultation that almost every bankruptcy attorney/office offers to prospective clients.
No it does not. The SOL begins upon date of last payment, unless you have "tolled" or "restarted" that period by promising or extending payment. You may have an FDCPA claim against the collector as well as other defenses.
You should look into a sale in lieu of partition. This is exactly what it is for. It may not be done in time for your to keep the mortgage lock you may have to purchase a home right now... but it will move things along for you to put this property behind you. When you do this, make sure your attorney can also handle the shortsale aspect of your transaction b/c that is going to be significant roadblock to a smooth sale.
You can charge anyway you want, but you have to keep the business entities separate. You should also consider a disclosure notice if you're going to perform design work for a real estate client or vice versa.
This is extremely important b/c you don't want your employer to be sued for something you do as a side business. Also, you don't want your business sued b/c of some settlement squabble related to a purchase transaction.
Any agreement between two people in a divorce is not enforceable against the lender. Whatever you agree, the lender still has the right to collect from both of you. You may want to enforce the agreement against her (this won't help your credit), or look into bankruptcy.
Bankruptcy would be a quick and easy way out, but that will require a financial evaluation first to see if you even qualify.
Also, if the collection company violates any collection laws, you may countersue them and include a settlement of debt.
Embezzlement, Fraud, Theft, Bad Check etc. The primary issue here is the breach of trust, also, depending on the organization, you don't want a bunch of kids coming to court saying how they couldn't travel, have awards, parties, etc. b/c of your daughter.
Don't mess around with this. You need a good lawyer asap to "jump on the grenade" so to speak and minimize the damage (and possibly protect your daughter's case for technical loopholes).
Are you saying you have a debt that is 7 years old? What has the collections agency said? have you sent letters to the credit bureau?
Contact me office next week - free consultation. You may have a great case a/g the agencies.