Yes you can sue. No you cannot win IMO..............

If the late fee is worth hiring a lawyer and suing a multibillion dollar corporation, that's your call;

Charges are not magically dropped. That is why you have a lawyer.

An appeal..........................................................

Of course you will.................................................

Lawyers here cannot reach out to you. You can use the Find a Lawyer tab above.

None of us can know. I would google the firm, call them and see if they can provide you a case number and other info. Do NOT give them any of your...

None of us can predict what will happen. Retain the best lawyer you can afford.

Respectfully, this is not a DIY project. You really need to retain counsel. We can't teach you how to practice law on line.

An attorney will need to review all of your medical records and determine how to proceed.