If bankruptcy is on your mind and the time has come to make a final decision, there are many ways to learn more about the process and how it will impact your finances. Learn more about bankruptcy consultation in Philadelphia in this presentation.

1. If Bankruptcy is on Your Mind and the Time
Has Come to Make a Final Decision, There are
Many Ways to Learn More About the Process
and How it Will Impact Your Finances
WHAT TO EXPECT
DURING A BANKRUPTCY
CONSULTATION IN
PHILADELPHIA
DAVID M. OFFEN
PHILADELPHIA BANKRUPTCY ATTORNEY

2. What to Expect During a Bankruptcy Consultation in Philadelphia www.getfreeofbills.com
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If bankruptcy is on your mind and the time has come to make a final
decision, there are many ways to learn more about the process and how it
will impact your finances. In addition to the research you complete on your
own, such as online and by speaking with others who have gone through
bankruptcy in the
past, you can also
consult with an
experienced
attorney in your
local area.
With the help of a
bankruptcy attorney,
it is much easier to
understand the
process and what to
expect along the way. Additionally, you can discuss the pros and cons,
including how your particular situation will change if you decide to move
forward, and what the filing of a bankruptcy will accomplish for you.
You may not want to ask a professional, but if you are considering
bankruptcy it is important to consult with an qualified legal professional
who is experienced in bankruptcy and who knows the legal ins and outs.

3. What to Expect During a Bankruptcy Consultation in Philadelphia www.getfreeofbills.com
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YOUR BANKRUPTCY CONSULTATION
You have the right to file bankruptcy on your own, however, the process of
doing so is never simple. Along with this, any mistakes you make along the
way can have a negative impact on your case. In fact, some mistakes can
lead to the court throwing out your case, or cause you to lose property that
could have otherwise been protected. These are mistakes that could be
avoided, if you had you been properly advised.
When you receive the assistance of a bankruptcy attorney, you never have
to concern yourself with mistakes that could slow down the process or lead
to your case being dismissed. Instead, you will soon realize that you are in
good hands.

4. What to Expect During a Bankruptcy Consultation in Philadelphia www.getfreeofbills.com
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A bankruptcy consultation is your time to discuss your situation and ask
questions.
Note: just because you consult with an attorney does not mean you are
required to file for bankruptcy. You may find that this is the right decision
at the present time. Of course, you may also find that you are better off
putting this to the side for the time being. Your attorney will help you
determine if you could benefit from filing.
Here are three things to expect during a bankruptcy consultation:
1. Asking and answering questions. During your consultation, it is
important that you ask any questions that are on your mind. Even if you
think you know the
answer, it is best to
have your attorney
explain things to you.
Along with the many
questions you are sure
to ask, your bankruptcy
attorney will throw a lot
your way as well. It is important that you are 100 percent honest when
answering questions, as the information you provide will help your attorney
formulate a plan for you moving forward and advising if bankruptcy is right
for you.

5. What to Expect During a Bankruptcy Consultation in Philadelphia www.getfreeofbills.com
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2. A total review of your finances. There is no way to decide for or
against bankruptcy until you take a close look at your finances, comparing
the details to the eligibility requirements of Chapter 7 and Chapter 13
bankruptcy.
By reviewing your finances, alongside your attorney, you can get a better
idea of whether or not filing for bankruptcy would be beneficial.
Note: before your consultation, ask your attorney what documentation you
need to bring with you.

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3. A recommendation on how to move forward. Once you have
discussed every detail with your attorney, you can expect him or her to
provide a recommendation on what you should do next.
In short, your attorney will explain the benefits of filing for bankruptcy as
well as the advantages of waiting. You do not have to listen to what your
attorney says, however, this person has your best interest in mind and is
going to provide advice based on what would make the most sense for
somebody in your position.
When you schedule a consultation with a bankruptcy attorney, you are one
step closer to filing. This meeting does not mean you have to file in the
near future, but it will provide you with all the information you need to
make an informed and confident decision.

7. What to Expect During a Bankruptcy Consultation in Philadelphia www.getfreeofbills.com
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About the Author
David M. Offen
A native to the Philadelphia area, Mr. Offen attended Temple University College and Law
School. Mr. Offen is licensed to practice in the States of Pennsylvania and New Jersey. He is a
member of the Eastern District of Pennsylvania Bankruptcy Conference and the National
Association of Consumer Bankruptcy Attorneys.
David M. Offen has over 20 years of experience and has helped over 8,500
individuals and families go through the Bankruptcy process. These filings have included
stopping foreclosure on a home, stopping repossession of a car or vehicle, stopping IRS tax
levies and frozen bank accounts and putting a stop to; lawsuits, credit card bills, personal loan,
bills, utility shutoffs and other types of debt.
With Mr. Offen’s help, these families have saved countless millions of dollars of debt.
David enjoys getting to know his clients and will be happy to answer any and all questions you
may have. You are treated as a person and not a number.
Remember – there is no such thing as a silly question. Don’t be afraid to ask any questions you
may have. David M. Offen has found that people looking to file Bankruptcy are not trying to
avoid their responsibilities but rather to make a difficult situation easier. David enjoys getting
people to stop worrying and making their financial lives much better and stop feeling
overwhelmed.
In some cases, Bankruptcy is not the best move and he can review your situation with you and
tell you the right move for you to make. Get a completely free evaluation of your situation. For
the past 20 years, the Law Offices of David M. Offen has been among the top filers of
bankruptcy in the Eastern District of Pennsylvania.
The Law Offices of David M. Offen
www.getfreeofbills.com
The Curtis Center
601 Walnut Street, Suite 160 West – 1st Floor
Philadelphia, PA 19106
(215) 625-9600