The owner of the debt must prove it is owed. They might have trouble showing such proof.

No. The lender will not release you until the loan is paid or refinanced.

Once the bank approves the loan, no. But here the bank probably had not yet approved and the car dealership was just trying to push it through.

Such a specific question would likely take research to so determine.

They cannot change the written agreement after it’s completed.

———————————————————— Attorneys can be disciplined without being disbarred. This does not mean they may not be a good lawyer. ————————————————————

———————————————————— There are attorneys that represent professionals before the boards. That may be the right lawyer to help with a complaint.

Contingent/percentage case require a written and signed fee agreement. Without this the lawyer loses certain rights but still may get a reasonable...

Look at the contracts or initial court order appointing the mediator. Take your proof the the judge in a motion.

Yes, or possibly a lawsuit. Though, both may be past the time limits.