It is probably a scam. Check your credit report. You can do online for free.

The money from life insurance may be exempt as her separate property. Consult with experienced attorneys.

It appears it is too late to contest the judgment based on your filed exemption. You can wait too see if they renew the judgment or let it expire.

Check the court records file too see what the case is about and if you can file a motion to set aside the judgment.

Wage garnishment will proceed unless you can find a basis to avoid, which would be rare. Bankruptcy may be your option.

You should report this, confidentially, to the DOT, as a whistleblower.

Take the drinks to the county public health department.

If it is real, it may be a violation of law. Consult with experienced debt collection defense attorneys.

Fax your questions in writing to the attorney. If he fails to respond, hire another attorney, file a bar complaint and sue the attorney.

They can if the loan contracts give them those rights.