Scott Alan Schanks's Answers

IL personal injury law slip and fall in grocery store

I also do personal injury case in Illinois. Call me to discuss. 312 969.4989

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Home equity loan in Chapter 7

Short answer is no, it is not a nonpossessory, nonpurchaser money security interest. The bank probably has a security interest in your home. Home equity is what used to be called 2nd mortgages. It is subordinate to the first mortgage, however, it is a secured loan, with the security being your home. It would be wise to consult with a bankruptcy attorney.

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Whose insurance do I use and is there a chance I'll fall through the cracks?

Generally, if you were a "permissable driver", which I assume you were, then girlfriend's insurance policy covers. If not a permissable driver, then depending upon the type of coverages you have in your policy, your policy will cover.

The right to call a current employer about an old debt

No. ALthough it doesn't mean they won't. Perhaps you can pay them a substantially smaller amount. Consider sending them $10 - $20 bucks a month, attn the name of the threatening party. Even a trickle of money to the NY company is better than nothing. Especially during these economically tough times. Usually this will keep them off your back.

Insurance payout for death of daughter in car accidnet

You need a lawyer. The insurance company will do things in their interests only. They will not consider your interests. Only a good lawyer in the area of personal injury and wrongful death cases will get you the money you are entitled to.