Discuss with your current lawyer. They would be in a better position to advise you.

It would likely be cheaper and easier to contest it with your cc company.

Your post doesn't make sense as written.................

Unlikely. Check your use of terms and agreement....................

No you cannot. Read the terms of use you agreed to.

Unfortunately, sounds like a typical day in small claims court.

Are you a minor? if so, you need to live with your parents................

You will need to read the local court rules. Litigation is not a DIY project.

None of us can predict. I hope you learned your lesson.

Depends on the laws of Germany....................................