There are automatic adjustments every two years, but you can file for a modification based on a rebuttable presumption. see link
no
YEP!
Yes
Yes
Very little ! If you default on the payments, the finance company are quite within their rights to confiscate the vehicle. The camper does not become your property until you have made the final payment !
The ex-husband would have to be notified of the proceedings.
No. Call your States Department of Insurance.
The executor is not required to know anything about the will until it is time to execute it. They don't even have to be told they are the executor.
The medical provider can legally take such action. They are not required to notify the debtor that they are sending the outstanding debt to collections.
Yes, through auto reviews. see link
no they can't.
No they do not. You may go to a dermatoligist anytime without a referral. As a dermatologist, I see people many a time without referral, and all dermatologists can bulk bill payment, and send them to medicare.