The decision to file for bankruptcy could change your life. Conversely, the decision against filing could have a big impact as well. For this reason, it is imperative that you make the right choice at the right time. Learn more about Pennsylvania bankruptcy filing in this presentation.

1. “The decision to file for bankruptcy could change your life.
Conversely, the decision against filing could have a big
impact as well. For this reason, it is imperative that you
make the right choice at the right time.”
ANSWERING YES TO
THESE QUESTIONS COULD
LEAD TO A PENNSYLVANIA
BANKRUPTCY FILING
DAVID M. OFFEN
PHILADELPHIA BANKRUPTCY ATTORNEY

2. Answering Yes to these Questions Could Lead to a Pennsylvania Bankruptcy Filing www.getfreeofbills.com 3
The decision to file for bankruptcy could have a big change your life.
Conversely, the decision against filing could have a big impact as well. For
this reason, it is imperative that you make the right choice at the right
time.
Some people are fully aware that filing for bankruptcy would be in their
best interest. Others, however, are unsure of what this offers and how
bankruptcy would help them.
If you find yourself on the fence, you need some help making the right
decision. You don’t want to move in one direction or the other without
knowing that it is best for you and your finances at the present time.

3. Answering Yes to these Questions Could Lead to a Pennsylvania Bankruptcy Filing www.getfreeofbills.com 4
There are many key questions to answer if you are considering bankruptcy.
These include:
1. Do you have more
debt than you can
afford to pay? This is
the first sign that
bankruptcy could be a
good option. If you are
unable to pay your debt,
month after month, you
will begin to slip behind.
Debt negotiation is an
idea to consider, but some
creditors aren’t willing to
cooperate. In this case,
bankruptcy may be the
best choice. There may
also be taxes owed if you
don’t pay your bills back
in full due to the IRS
provision of debt cancellation income.
2. Are you ready to stop debt collectors from contacting you?
There is nothing worse than debt collectors calling your phone all day long.

4. Answering Yes to these Questions Could Lead to a Pennsylvania Bankruptcy Filing www.getfreeofbills.com 5
This can be frustrating, especially if you don’t have the money to pay what
you owe.
With a bankruptcy filing, thanks to the automatic stay, this will be put to an
end. Creditors are not legally permitted to contact you during this time.
Once your bankruptcy
comes to an end, you will
be in a good position as
well. You either
discharged some or all of
your debt, or you
reorganized your debt
into a repayment plan
that you could afford.
Either way, you are
protected from creditors.
3. Are you afraid of
what the IRS will do
to you? There is always
the chance the IRS could
garnish your wages. Not
only does this mean you
will take home less

5. Answering Yes to these Questions Could Lead to a Pennsylvania Bankruptcy Filing www.getfreeofbills.com 6
money, but your employer will now have a better idea of what you are
going through.
4. Is foreclosure on your mind? If you are considering bankruptcy,
there is a good chance you have slipped behind on your mortgage
payments. As noted above, filing for bankruptcy will implement an
automatic stay. This gives you the opportunity to save the home as your
lender is not permitted to move forward with foreclosure.
5. Has your situation become so bad that you could never fix it on
your own? If you are buried in entirely too much debt, you may have no
choice but to file for bankruptcy. Even if you want to avoid this, it is
possible that not only is it your only way out, it may be your best idea as
well. In this case, you should get on board with the idea that bankruptcy is
the best way to solve your trouble, once and for all.

6. Answering Yes to these Questions Could Lead to a Pennsylvania Bankruptcy Filing www.getfreeofbills.com 7
If you answer yes to one or more of these questions, you may want to
consider filing for bankruptcy. In this case, there is one last question to
answer: will I file on my own or hire a bankruptcy attorney?
The law does not require you to hire an attorney, but this is often times a
good decision as it gives you somebody on your side who knows the ins
and outs of the law, the challenges you will face, and the decisions you
should and should not make.
Don’t hide from any of these questions. Instead, answer them honestly.
Doing so will allow you to make an informed and confident decision.

7. Answering Yes to these Questions Could Lead to a Pennsylvania Bankruptcy Filing www.getfreeofbills.com 8
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 loans, 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 help people 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
215-625-9600
www.getfreeofbills.com
The Curtis Center
601 Walnut Street, Suite 160 West – 1st Floor
Philadelphia, PA 19106