Yes you can report an attorney in an state he is licensed, or in any state he attempts to practice.

Write to the school, or have a lawyer do so, to determine the amount they claim is owed and on what basis. You may then be able to negotiate a...

They might. But you may be able to negotiate a different payment plan. Put your offer in writing.

You pose a very reasonable question, it was not your error. But, the law generally provides you must return the money.

While you may have no assets, the Creditor can do all types of post judgment discovery, as many years as the judgment is valid.

If they sued you and you were not given proper notice, right away, look into a motion to set aside the judgment.

Attorneys may require, in most cases, payment in advance.

Yes it is a violation. But what can be done depends on further details.

The first issue is, what does the language say you do not agree with. In general, they must provide to you all monies that is yours. But if...

No, such actions are probably illegal and ethical violations. You may also have a lawsuit against that attorney. Consult with attorneys before...