It is a claim by the bank that it is owed additional fees. Usually it can be paid outside the plan. You can object if the amount is exorbitant.

Is there any sorta help i can get to help me pay off bad checks i wrote

Sounds like you found a way. A bankruptcy petition will wife them out completely.

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I was awarded a judgement of 6K in my divorce so how can I find out his employer to garnish his wages.

Private investigators can figure out where he works.

What type of response should we make to being served?

A response that states your position.

What can I do if a creditor supplies different information for verification than what's on my credit report?

Hold your ground and do not pay.

HOA in Alexandria, VA insisted in collecting fees for a Condo that was surrendered during Chap 7 bankruptcy.

Many times the subsequent sale after the foreclosure handles the debt in the closing costs.

Can debt collectors offer a settlement that is higher than the one they sent me in writing?

I don't see any FDCPA violations here.

If I received a 1099 from Litton Loan for a cancellation of debt, can Ocwen loans (who later brought the loan) request payment?

The deed is not the relevant document its the promissory note.

Can i correct my assets if i gave away furniture before i file bankruptcy papers

You mean take it back? More information is needed to provide guidance.

Can I get better settlement with creditor after default judgment? How does default judgement really hurt you?

Judgement are weighted very heavily in the allgoriyhium used to determine your credit score . Go to fico .com for more info in this.