The short answer is, yes. They have been unable to fulfill their part if the contract.

You are correct. While it may be in the agreement, it may be unenforceable. But, the entire agreement must be reviewed to determine any penalties.

Check to see if anyone can get the records. If not, then there could be an issue. https://cojc.ok.gov/ Council on Judicial...

You may want to have your case reviewed by a FDCPA attorney. Not just this one incident, but the whole case.

Yes it's possible but be very careful. Get it in writing before giving information or paying anything.

Yes. See an attorney immediately to correct this fraud.

The notary expiration is irrelevant. The statute of limitations may depend on the terms of the note, including when payments were due and when...

Definitely should not unless what is stated is part of what necessary to reach the order.

No need to be worried. Could be many things

Hire a new attorney and sue in small claims court for return of your miney