Here in Utah, many, many people have a fairly good 3 month supply or even year supply of food, water, and essentials.

Yes.

You normally want to receive and spend your tax refund prior to filing bankruptcy.

You can discharge the debts that you owe him, but, you may still want to pay him after we file.

Definitely yes.

My old law firm had a book in the waiting room that listed 100 famous people who had filed bankruptcy and came back from it.

Not as bad as you think.

Worst case scenario:

Karin Price Mueller wrote an article for www.foxbusiness.com yesterday.

You lose it.

Pbbbt!