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My ex-husband and I were in foreclosure, but the bank withdrew the motion. As of right now the account is just sitting in limbo as past due (for 3 years!). When applications ask for you to disclose if you have ever been charged with, arrested for, or convicted of any violation of criminal or civil law should I be checking yes? Is there a law against not paying your debt or is it just a credit thing? I know this may sound stupid, but I can't find a clear answer online anywhere.

This is really a request for legal advice. Nobody here can answer this for you without violating the canons of ethics that govern the legal profession. You should seek the advice of a licensed attorney in your jurisdiction.

I support the above response. There are a lot of consumer protection attorneys who will review cases for no charge. However, I'm not even sure I understand your question. Has a judgment been entered against you? Wait, don't answer that, because I still couldn't help you. Try looking for an attorney on this site, its the national assoc. of consumer advocates, http://www.naca.net

It may come up during the bar. There was a case in New York state about a student with too much student debt and not being admitted to the bar.

I would just call the schools and ask them if they want you to disclose it.

Thank you for the responses. I contacted a random attorney on the net and he responded, lol. He also said to check with the admissions office, but as far as he was concerned the answer would be that it is not a civil violation.