I need a bankruptcy lawyer to give me consultation

You must hire a lawyer in New Jersey because that is where you live. Your taxes will or will not be dischargeable based on when the return was...

Credit card debt for a senior citizen unable to pay due to sickness

No. not at all. But, being that her only income is and will be SS which will be directly sent to the nursing home, and assuming she has no assets,...

Can my student loan servicer retroactively change the way they've applied all my payments to their favor?

The terms of your loan agreement would dictate application of payments between principal and interest. That said, assuming the calculations are...

Is a person considered legally insolvent always if they have had a debt forgiven and did not have to pay taxes on that debt?

You don't say when the 1099 was given to you. You were insolvent at that time. Whether you are insolvent now depends on your income, assets and...

Can I file bankruptcy

If your house is in foreclosure and you want to top it from being sold, you would want to file Chapter 13. You can do that at this time as long as...

Is it a crime if ex spouse (earns 7 figures) attorneys prepares a settlement that leads to bankruptcy to the other ex spouse?

I do not see any crime in following the bankruptcy code. I do see an unfortunate unanticipated consequence.

I'm in default with credit cards. Can they touch my social security or savings.

No. But, the creditors can freeze your bank account, but you can get the money released.

"More fully set forth herein" means "as stated in greater detail in this document"

Can my son be required to continue repaying me for a student loan I co signed for which he promised to repay at that time?

Not without a written agreement. But even if you had one, are you really going to sue him? Look at it as an advance on his inheritance.

Statement that says none of the signatories owes the other any money or goods.

This is not question but a request for legal services. I suggest that you hire an attorney to create the legal document that you are seeking.