Your bankruptcy attorney should have advised you. Part depends on how soon you will file. If not soon it may be better to file an answer...

It may be a scam. Whenever one is unsure, give no information, demand proof in writing (do not give your address or other...

You need an experienced legal malpractice attorney. Use the Avvo search tool to find an attorney. https://www.avvo.com/find-a-lawyer

Posting your details is unethical. You’ve done what you can on the past violations. You can file a complaint for the latest ethics violation.

Contact the licensing board to determine requirements and limitations.

The only downside would be the time for the attorney to learn the basic facts.

When co-signing you are full responsible for the debt.

No it would not obligate you to future debts.

The owner and driver are responsible for the damage.

No. Insurance policies exclude prior incidents.