I doubt you can sue the bank, if you do not want the account, just cancel it.

Do I need a business law attorney?

Chances are Toyota did receive the funds and just made a mistake. Get a copy of the cancelled check from the issuing bank and then frecontact Toyota.

Can I back out of an offer that I now fear may be fraudulent?

They will pay you $600 a year for ordering magazines? It's a scam, cancel the offer immediately, report them to your credit card company for fraud.

If I allow a person with revoked license to drive my car could I loose my insurance coverage on all of my cars?

At the very least the insurance company will refuse to honor any claim if he wrecks. You are taking a big risk for nothing.

Is this consideered a kick back ?

It' either some sort of theft from his employer or money laundering. Either way, you do not want to find out, tell him no deal and send him on his...

Well, I found out my wife was not divorced when we got married.

You may not be married but the result may well be the same when you split up because the Court will have jurisdiction over child custody and most...

Larceny

Impossible to tell what she did from your description. Try again.

My father died can i cash his social security check to help bury him

You may however be entitled to a small death benefit from Social Security, contact them for more details.

Recent notification of auto insurance being cancelled

The problem does not appear to be with the insurance company but with your lease assumption. Your insurance company is assuming you are a bad risk...

What are the consequences of Fraudulent Misrepresentation, civil or criminal?

Does not sound like fraud at all but possibly a civil breach of contract.