Yes you can dispute it. If you are sued, which is doubtful, contact a FDCPA attorney.

Yes you will get excessive payments back. Contact the levying officer for balance, or the creditor.

They should, but are not required to charge late fees immediately.

Bankruptcy might be an option. But may not make sense if its your only debt.

It could happen but you need a full writfen explanation.

Check the court records and see if a default was entered. If it has you can request it be set aside.

If you could provide more details, that would assist in getting the best answer.

The attorney will not likely take on the case.

Contact the State Bar and they mwy be able to assist.

It depends on the amount owed and the facts of the case. If you will pay the hourly attorney fees, it is odd you cannot hire an attorney. ...