My photos get cut off on top when I enter them to a creation

If you use the camera cable or a card reader to get the photos on your computer, the metadata is there. When you copy the same picture the metadata is lost and is replaced by the new data at the time it was copied.

are the settings coorect and is vista the problem that is not supported any more could be you need to upgrade to win 7 or newer

Follow the link to get help from HP Photo Creations support team

http://www.hp.com/global/ca/en/consumer/digital_photography/free/software/support-form.html

Uninstall Photo Smart.
Restart your Computer.
Install the new one from here.. http://www.hp.com/global/us/en/consumer/digital_photography/free/software/photo-creations.html

The only solution is backup all your important data and do Hard Reset...

1. Power the device ON
2. Tap Start > Settings > System tab > Clear Storage.
3. Enter 1234 for the password twice.
4. Press Enter.
5. Select the memory to reset.

In the creation of a multimedia message, enter the email address instead of a phone number.

Sounds like the photos are imported based on creation date. Changing the file name will not change the order in which they are added. iPhoto looks at the files as if you were developing film. The pictures load in the order they were taken (created)
I do not belive there is a way around this unless you can somehow change the creation date before you import.