Hi Rachel, no problem at all, happy to help out!
We have a couple of clients in similar industries where it seems most of their successful competitors are using black hat tactics to get ahead and it seems to be working for them for now.
These clients are still too new to us to report anything valuable just yet - they're certainly moving ahead and I don't see an issue outranking their dodgy competitors, it's just frustrating that black hat SEO is typically much faster but their rankings could drop literally any day.
That aside, a disavow may help you somewhat but I always recommend spending the time removing as many as you can (without paying the removal fees that many will request!). Building new, high quality and relevant links will also help swing that ratio away from being almost exclusively spam. Everybody has at least some dodgy links to don't stress too much about getting it perfect, just improve the ratio.
It's great that you've got unique content coming and regional differences in law and restrictions is a great starting point for offering that unique value as well. Location pages like this are just fine, so long as they each serve a unique purpose. Just make sure the site structure and content caters to the user's intent, not just adding content to keyword-specific pages.
I would expect that removing as many of those bad links as you can, building quality new ones and improving the site's content will go a long way to lowering your spam score and more importantly, moving one step closer to driving qualified and converting traffic.