I had a really rough day yesterday and last night too. I guess we are going to have these moments for a long time. I also ask myself almost all the same questions! Fear... like you said that is the key word for most of us.
I'm expecting to receive papers too since she is asking was asking about financial items. Do you not have to be served and a waiting period? I know here we have 30 days to respond after being officially served. You could say you need your attorney to look everything over and that might take some time??