Have some unique questions for you all and hope you can offer some insights. We have a Florida Chapt. 13 filed in April '05 and having mostly unsecured cc and medical creditors and IRS debts from long past due years taxes in it. We have been always current on payments, scheduled to end in '09 and I've got a couple unusual questions please...

1. Inheritance - my grandmother just died and we were willed a 1/4 share in the eventual sale of a rental home she has, sharing it among us 4 grandkids. Likely will be in the 40k range or so. What do I do - is this something I tell trustee or tell my BK lawyer? If it's going to be a problem, is there a way to set-up the incoming payment to go into a 401k, IRA or similar account so it would be safe there? Any advice is most welcome...

2. Fertility Treatments - This ties into the question above. We have lost 4 babies in pregnancy and the only hope we have of having a child is with fertility treatments that cost around 10k cash up front, and not covered by insurance. My DW is almost the cut-off age for such treatments, so we REALLY need to do it in the coming year and would love to use that inheritance money to pay for the treatments....

3. Sweepstakes Prize Wins - In a pleasant series of surprises, I have won several national sweepstakes since December and so far have won about 2k worth of actual products/physical prizes, as well as a grand prize vacation trip win valued at 4k. None allow cash options instead of the prize or trip, and I am just wondering what effects this could have? Obviously the value of prizes will be claimed on my income tax as sweep sponsors issue 1099's, so in addition to my normal stack of 1099's from my clients (self employed freelancer) this year, we'll have the extra "income" showing from the wins. Anything I need to know/do/not do with regards to the winnings? Also, what if I win a new car or large cash prize? (hey, the year is off to an unreal start so far in that area, so who knows!)

THANKS!!!!