They can sue. “Change Off” is an accounting action and does not absolve you of the debt.

You may have a lawsuit. Consult with experienced debt collection defense attorneys in the state where this occurred.

This may be a scam. Whenever one is unsure, give no information, demand proof in writing (do not give your address or other...

With a judgment you can pursue all non-exempt assets. A properly recorded judgment will likely prevent a reverse mortgage.

You can sue them. This may not be worth doing if they have no assets or applicable insurance.

There are attorneys who specialize in representing people before licensing boards Consult with these attorneys in the state where this occurred.

Yes you may have a legal malpractice case. Consult with experienced legal malpractice attorneys in the state where this occurred.

They are only entitled to fees for the work they actually did.

They would be entitled to compensation for the work they did. Look into fee dispute arbitration or a lawsuit.

Yes you can sue them for the losses they caused on proper proof.