How can we have different pen names and accounts at like docstoc
for adsense under totally different names & then get the adsense check
in our real name if so how do we do it.

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You can only have one account.

If you read adsense's TOS you would know that

I'll use my real name on one account & use that one for the pen names..

You can only have 1 account per name, but what you can do is setup a business (pretty cheap to do), get a business checking account (usually free as long as you keep a $100 minimum balance) and register for a business adsense account.

Adsense will then send you checks for your personal account in your name, and checks from your business account under your business name.

Thanks for the tip