Unlike some fields of law, representation of a client in a bankruptcy case can take up to five years. In this period of time, a lot can happen to a client. Therefore, it is paramount that a client and the attorney over the duration of the case keep the lines of communication open.
Some Judges, in the practice of bankruptcy, grill the attorneys that lose touch with their clients because the Judge may feel that the representation of the particular client is less than adequate when certain issues arise. However, the attorney can only do so much if the client has moved without forwarding a change of address, changed telephone numbers or even e-mail addresses without their attorney’s knowledge. Too many times you will see that a client who loses touch with his attorney that doesn’t know what is going on in their case until something bad happens, and then when they finally do contact the attorney it is too late.
When it is time to file your bankruptcy case, pick a firm that you know you can marry for at least a five years. The relationship with your bankruptcy attorney is just that, a marriage. And in a marriage, communication is key.
Why is it so important to have insurance? When you go through a bankruptcy and even when you are not in bankruptcy, it is very important that you have insurance on your home and car. The law requires you when you are in bankruptcy to have full coverage insurance on your vehicles, if you do not provide insurance, then the creditor can file for a motion to lift the automatic stay to force insurance and if no insurance is still not provided, then you will loose your car. The same is true on the house. It is important to have insurance on your home at all times. When the mortgage company finds out that you don’t have insurance, they will file a motion to lift the stay and force insurance on the home.
Having to pay for insurance that is forced placed, is more expensive than you looking for insurance on your own. I don’t know how much more I can stress, how important it is to have and keep insurance. If you fail to do so, then it will cause you problems in the long run.
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