That sounds rough . . . I have some ideas to help u stay out of court ~ I've been around the block a few times in this arena. You probably wouldn't want legal aid to try to help you anyway . . .
Med bill ~ you might be able to ask 'em for some sort of compromise to pay a lower amt and make small monthly payments. You don't want 'em to hurt your credit as much as they don't want to spend money to chase you (unless it is a big bill).
CC ~ isn't credit guard ins basically a contract that you/they entered into so they should pay if you met the qualifications? I always thought that "CC protection" was a sham . . . again, you may want to see if they are willing to compromise and take some sort of lower payment in lieu of them not getting anything ~ they might go for it and leave you alone.
Stepson ~ can't sue on hate alone so he would need some sort of legal claim/basis against you. How old is he and what is he threatening? I can give you more specific ideas if I know the fact pattern . . .
Hope this helps a 'lil . . . give me some more info and I might be able to help u out more, u can email me directly if u want . . .
:) Mark