my advice is to never seek legal (nor medical or psychological) advice on a an Internet message forum.
True enough, but the gist of what I and several posters have written is almost always true:
If you have to go to court in the US, you have already lost. Our legal system stinks. The only winners in a court case are the lawyers. And if you’re up against a private entity (or government bureaucracy) that can just raise the fees/taxes it collects in order to cover its costs of litigating - you’re on a fool’s errand.