I found this in your error log after I tried to login. That's where the problem is.
[Mon Aug 04 12:24:18 2008] [error] [client **.**.**.**] File does not exist: /home/sup3rkir/public_html/chat/chat, referer: http://sup3rkirby.x10hosting.com/chat/
You can use .htaccess files.
Make sure you set either the cPanel filemanager or your uploading client to show hidden files.
They aren't being deleted. In linux a file that starts with a . specifies it should be hidden.
When you are suspended, it changes the password on all the email accounts so you can't login. Then when you get unsuspended it changes them back. Sometimes it doesn't change the password back correctly though.
You should be able to set it to whatever it was.