I agree with Mr. Andriotis. Essentially, the answer to both questions is maybe. If you add more information about (1) how you know you are overcharged and what the charge is and (2) why you cannot get out of the lease sooner, we might be able to provide you a more specific answer.
Providing this answer does not form an attorney-client relationship. Most legal questions are exceedingly fact-sensitive and therefore this answer is a best-guess based on the information you provide. You should consult an attorney licensed in your state to further discuss your matter.