Debts and Credit

1) I owe $30,000 in students loans. The debt was acquired 20 years ago. Now the government is requesting I make payment arrangements or they will eventually garnish my wages. Didn't the staute of limitations run out? 2) How long after a credit card debt is delinquent can debt collectors sue for repayment?

I cannot afford payments on car. I owe more than it is worth. I would like to get out from under the loan.

I have a friend who is dying of cancer. The end is very near and she is concerned for the husband and children she will leave behind. What bills/debts is her family responsible for once she passes? All of her bills, credit cards, etc. are in her name only. Will her family be responsible for the balance of payments. As far as I know, there is no estate involved.

What is the statue of limitations for collecting on a bad check? I made a payment on it in April. If I send them a cease and desist letter can they still take me to court? Can any collection agency take me to court if they receive a cease and desist letter or does the account revert back to the original creditor? If I send them what money I can each month, are they still able to take me to court?

My Dad wants to file bankruptcy and his wife does not. My Dad has cancer and cannot pay for all her spending even though he has signed for nothing. He is retired and is barely making ends meet. Is he responsible for all bills or just his?