Is the Declaration of Covenant and By Laws recorded considered to be a contract too?

Yes, this is also referred to as CCRs, which is a contract. You are bound by the terms of that agreement.

Can I stop working with this first real estate broker whom I no longer trust? And switch to a different broker? If so how?

If you do not trust your broker/agent you can always cancel the contract, however you will have to be familiar with the term of the contract.I also...

When it says a former law was repealed by an act. this means the former law is no longer a valid law right?

Yes, repealed means that the longer is no longer valid law.

Can a collection agency put a wage garneshment or bank levy on a bank account we only opened to pay bills? Never a lot of money.

Yes, absolutely. The judgment creditor does not know what the bank account was opened for, all they know is that there is a bank account with...

Do Bankruptcy over rules foreclosure

First, the HOA definately can put a lien on the property for unpaid HOA dues. You stated that you did not reaffirm the mortgage and that the...

In reviewing your question, I have to say that I have not heard of a situation where the creditors actually will accept half a mortgage payment....