You've detailed a fine question; sadly you've posted it in a forum where you are extremely unlikely to get a competent answer. While there are usually some common denominators, laws and procedures are particular to a given State / jurisdiction.
If you repost this question and, instead of listing your location as "Navarre, FL" you list your location as "___________, IL", then Illinois lawyers (as opposed to FL lawyers) will see your question and you are more likely to get a competent answer.
I hope that this has been helpful and wish you the best of luck!
First, second and third: No attorney-client relationship exists by virtue of any Q&A with Michael A. Haber, Esq. on Avvo. Fourth: Anything that you post on Avvo (or on similar sites) or on any social media is by its nature public. It is essentially an admission / confession and can be introduced into evidence as a statement against your interest in a subsequent legal proceeding. Once posted you lose any reasonable expectation of privacy, so, as this is an open forum (with no privilege attached), please be extra careful when considering what to post online (forewarned is forearmed.)