Do I have the right to assume that everyone on the road follows traffic laws?

No. What if it were a jaywalker? But it helps share the nlame. If you can prove no lights.

Insurance fraud?

Well, you have no requirement either way. If you choose to tell them you can, and deal with whatever grief the landlord gives you. If you don't...

Can you just get a fine for federal contempt charges instead of jail time

Ask your lawyer but the purpose of the immunity is to compel you to testify, so probably jail till you do.

Will I be responsible for a federal school loan that my husband has defaulted on? Can my wages be garnished??

He can apply for an income based repayment, but if you file jointly your income will be considered as well. If you have joint accounts they might...

Can I sue my landlord for back pay rent for an illegal basement apartment?

Not back pay. But perhaps money to move, up to six months rent.

Do I need to continue pay a verbally agreed rent as a sub lessee after I realised the sub lessor pays the lessor unequal share?

You made your deal. You were happy with it. Why should what he pays matter? He is a good businessman. He made 5 deals. One for his rent, one for...

My wife is on H4 and she had SSN too. Is she allowed to do volunteer work (election campaign) and get paid ?

If it is paid it is by definition work for hire and not volunteer.

Business spot for 7 yrs?

I don't see anything you can do. The main tenant leased a space for a tax business and you did not have a noncompete agreement.

The argument would be that you WERE properly served. That is what the other side will say.

Is there a law in NJ around how many times can a landlord enter the apartment to show to prospective tenants ?

If it becomes too intrusive tell him he is violating the lease. Reasonably you could ask him to come in no more than 1 day during the week and 1 on...