In a Chapter 7 when a mortgagee files a motion to modify the automatic stay there is virtually no defense other than a defense that one is not in default. You unfortunately have to deal with the mortgagee directly. As to the creditor who is pursuing a judgment in state court they are violating the automatic say. Your lawyer can take corrective action and possibly can seek damages.
The secured creditor can still get stay relief to pursue its collateral. Exemptions have nothing to do with that. As for the other creditor, did they just file in the foreclosure case to assert their rights to the collateral junior to the mortgagee, or did they try to collect personally (which would be a stay violation)? Your lawyer should know how to deal with these. You do have a lawyer, right?
You need to talk to your lawyer about these issues. If you do not have a lawyer, you need to get a lawyer to help you with these issues. Bankruptcy is not a black and white area of the law. It is complicated and can be confusing at times.
Even if the home is fully exempt, creditors can file a motion for relief from the stay if you have fallen behind in your mortgage payments. It sounds like you have several problems here and need some direct help from an attorney, not just tips on a message board. Our office would be happy to arrange a free consultation with you.
This is not legal advice and should not be relied upon as legal advice. Discepolo LLP is a Maryland law firm with offices in Baltimore, Towson, Columbia and Calverton. Call us at (410) 296-0780 to arrange for a free consultation.