Sounds like a scam. Stop worrying. Don't respond to phone calls or emails from unknown sources about debts.

You cannot refuse. Not married = no marital protections. An SO can be a mere roommate, a pet, or a live-long love---but it is nothing in legal...

Let your insurance handle the matter if you are sued. Defending you in court is part of ...

Scam or low rent debt collector---poorly written communication too. -----------------------------------------------------------------------

You cannot if you do not have an agreement. There is nothing to...

Your son would turn to the authorities and report the crime (if he is an adult) and you would have no practical options except to lend him money...

Nothing you wrote about would appear to give you any legal basis to sue the City/Municipality....

When in need of surgery you go thorough the whole doctor process; when facing criminal charges you go through the "whole lawyer process". Failing...

Would be pointless---you have no actual damages to claim and a suit would cost you thousands of dollars out of pocket.

An attorney has to read a contract before knowing what the contract means legally. Take it to any local civil litigation attorney.