Reply To: Why things are so complicated.

I think you should consult with both a rabbi and a good lawyer, telling them all the details (including the extreme stress, insomnia etc) and then act according to their advice. No one here knows the details nor your arrangements and no one can tell whether you owe money or not, and you can’t assume that either. If you will be told that you owe money according to halacha and to secular law, I am sure you will do, but don’t rush to conclusions before their time.