If you decide to file at the present time, you should know what the future holds and then do whatever can to improve your finances across the board. Learn more about filing for bankruptcy in Columbus in this presentation.

1. QUESTIONS TO ASK
YOURSELF AND YOUR
ATTORNEY BEFORE FILING
FOR BANKRUPTCY IN
COLUMBUS
SCOTT R. NEEDLEMAN
COLUMBUS BANKRUPTCY AND FORECLOSURE DEFENSE ATTORNEY
If you Decide to File at the Present Time, You Should
Know What the Future Holds and then Do Whatever
You Can to Improve your Finances Across the Board.

2. Questions to Ask yourself and your Attorney Before Filing for Bankruptcythecolumbusbankruptcylawyer.com 2
Filing for bankruptcy is not something you do on a whim. It is a calculated
financial decision that will change your life in many ways. Before you
decide for or against this, there are questions that you need to answer
based on your personal financial situation. At the same time, there are
questions you need to ask a bankruptcy attorney as this type of legal
professional can provide you with the advice and knowledge you require.
Even though your bankruptcy attorney can help in many ways, the final
decision is yours to make. This is why you need to consider the pros and
cons of filing, including what this means to you now and how it will impact
you in the future.
QUESTIONS TO ASK YOURSELF
Below are five questions to ask yourself if bankruptcy is on your mind:
1. Do you continually carry a large credit card balance from
month to month?
This is one of the first signs that you are facing financial distress. While
this may not signify the need to file for bankruptcy, it is a sign that this
could be on the horizon.
2. Are bill collectors hounding you to make payment?
This is more than being in debt. This is being in debt and not making an
attempt to pay the creditor.
If this is true in your life, you are in more trouble than the debt that you
owe. There is also a good chance that your account has been sent to
collections. As a result, your credit score will begin to fall.

3. Questions to Ask yourself and your Attorney Before Filing for Bankruptcythecolumbusbankruptcylawyer.com 3
3. Do you get the feeling you are in too deep to dig yourself
out?
It would be ideal to get your
finances back on track without
filing for bankruptcy, but if you
are in too deep this may be a
challenge that you are not willing
to stand up against.
Only you know how bad your
situation has become, and whether or not you can fix things without
filing for bankruptcy.
4. Are you using credit cards because you are spending all your
money paying off debt?
This is a common situation, and one that will just get worse over time.
Although it is good that you are using your cash to pay off debt, it is
important to remember that you are accumulating more debt at the
same time. In other words, you may be making progress with one
creditor but getting further behind with another.
5. Are you unsure of how much debt you truly have?
Many people who are in a bad
financial spot do not know how
much debt they have. All they
know is that they owe a lot of
people a lot of money, and have
no idea of how they are going to
pay it back. For those who don’t

4. Questions to Ask yourself and your Attorney Before Filing for Bankruptcythecolumbusbankruptcylawyer.com 4
even know how much debt they have, devising a plan, outside of
bankruptcy, can be a challenge.
QUESTIONS FOR A BANKRUPTCY ATTORNEY
After you answer these questions, you may still be up in the air as to
whether or not filing for bankruptcy would be in your best interest. This is
when a bankruptcy attorney can step in to assist you.
Here are five questions to ask when consulting with an attorney for the
first time:
1. Do you feel that bankruptcy would help me get my finances back on
track?
2. Can you explain the pros and cons of filing for bankruptcy?
3. Can you explain the difference between Chapter 7 and Chapter 13?
4. What is the process for filing bankruptcy?
5. When everything is said and done, will I truly be in a better financial
position?
When you ask these types of questions to a bankruptcy attorney, you know
you are going to learn more about this process than you ever imagined. Let
your legal professional guide you when making a decision.

5. Questions to Ask yourself and your Attorney Before Filing for Bankruptcythecolumbusbankruptcylawyer.com 5
YES OR NO TO BANKRUPTCY?
What is good for one person may not be good for another. This is why you
have to review your own situation and make your own decision regarding
bankruptcy. With the help of a qualified attorney, this is not nearly as
challenging as it sounds.
If you decide against bankruptcy, you need to create another plan for
getting your finances in order. If you decide to file at the present time, you
should know what the future holds and then do whatever you can to
improve your finances across the board.

6. Questions to Ask yourself and your Attorney Before Filing for Bankruptcythecolumbusbankruptcylawyer.com 6
About the Author
Scott R. Needleman
Every associate at The Needleman Law Office is committed to handling
your case in both a personal fashion and in a professional manner. In other
words, we treat you the way we would want to be treated. We will take a
personal interest in your situation, making sure you understand exactly
what is happening and what options you may have. Then we’ll fight to
ensure the best possible outcome for your situation.
The Needleman Law Office
5300 E. Main, Suite 109
Columbus, OH 43213
614-575-1188
http://thecolumbusbankruptcylawyer.com/