I am claiming bankruptcy, but reaffirming my mortgage. Can the bank demand PMI insurance if I'm under 78% LTV?

Why would you want to reaffirm your mortgage? So long as your payments are kept current, you keep your house. I strongly recommend that you speak...

What is my remedy when a lawsuit may be dismissed with out prejudice?

*Can* you? Sure. Will the Court grant your request? Impossible to say.

Can attorney make up information like date of service on civil summons when original medical creditor has no bills on said date?

I agree with the answers of the other attorneys.

Can a debit collection agency put a warrant out on you for not paying a debt

An arrest warrant, no (unless you failed to appear for court hearings and the Court [not CACH] issued a Show Cause Order).

I surrendered my home and it was discharged in Chapter 7 as of 10/2013. I have since applied and was approved for HAMP.

No. A HAMP modification does not restore your personal liability for a discharged debt.

There is no requirement that an employer notify you before a garnishment takes effect. As far as what you can do, there isn't much other than a...

Can garnishment be stopped, if so how? Would it be better to attempt re modification before filling for bankrupts?

Bankruptcy cannot lower your alimony/support payment; a Chapter 11 or 13 can only give you some time to catch your payments up.

Question about civil judgments after chapter 7 as it relates to purchasing a new home.

Any liens against real property that you had at the time you filed--including any judgment liens--would not have been discharged in your bankruptcy...

What will happen if my spouse files for bankruptcy before we divorce?

I agree with Mr. Benton's excellent answer.

Can i hire an lawyer to help lower my court fees which have rackes up over the years

I agree with the other attorneys' excellent answers.