Contact the Minnesota Department of Revenue to be certain but, since you are operating a service primarily, you should not have to collect sales taxes. If you sell products into your clients, you will have to collect sales tax. If you are looking for a business start up attorney, feel free to give me a call.
States have laws that set forth assets which are completely exempt from collection efforts of creditors absent a security interest, i.e. mortgage or collateral pledged to secure an obligation. I do not practice in MI so I am not certain what exemptions are applicable. You should be able to determine exempt assets for you at this web address: http://www.legislature.mi.gov/(S(p2d3v3asx3xzre45dj00vb45))/mileg.aspx?page=GetObject&objectname=mcl-600-6023
Federal law also provides for...
The letter is an admission that the debt is owing. It is great evidence of the debt but not as good as a promissory note - probably pretty close. Next, be very careful of running afoul of usury laws. If the loan is usurious, it is completely unenforceable - even if they borrower admits the loan.
You are free to test for mold when you determine you would like to test. If the test reveals dangerous levels, you have the right to pursue a rent abatement action or other type of action associated with damages you incur from the mold.
The decision would have no value as precedence [which is normally why Court's publish certain decisions, i.e. appellate decisions] but is a public record. If you know the case information, you should be able to access records associated with the matter.
If you signed up on the Promissory Note and Mortgage to the property, transferring the title to the family members will not relieve you of obligations under the Note. You could end up owing money to the lender, if any, after the transfer. Be careful.