“It says I’m personally liable if anything goes wrong!” That is exactly why you incorporate. And there are folks who will come after you personally if you don'

“It says I’m personally liable if anything goes wrong!” That is exactly why you incorporate. And there are folks who will come after you personally if you don't pay them what you owe them. They're called the government. Dad's bad advice won't get you out of that one. You think he'd spent enough on lawyers that he'd have gotten that advice at some point.