I wrote a QWR letter to HomEq Servicing in September. I received their response a few days ago. They "answered" most of the questions I requested except for 1 important one. I asked for a detailed explaination of the charges and fees listed under the words "other and advances". They told me that since we are in bankruptcy that if we were ordered to pay these charges that they would then explain them. Since these "charges" are on our statement are they "required" to disclose this information to us even if we are not ordered by the court to pay them? I believe the reason that they do not want to disclose them is that they will have time to "manufacture" what these fees and charges are for. Can we demand in another written request for them to be explained in detail to us? Since it is on our statements would that be a part of the "Right to Know" act? I need some suggestion if anyone can help.