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Bankruptcy Attorney In Santa Clarita Names 4 Questions To Ask Before Making A Purchase

A bankruptcy attorney in Santa Clarita is sharing four questions he often advises his clients to ask themselves before making any type of purchase, large or small.


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Louis Esbin of the Law Offices of Louis J. Esbin in Valencia recommends that individuals get into the habit of asking themselves if they like, want, need and can afford the purchase before acquiring anything new. 

“The first two are easy,” Esbin said. “‘Need’ and ‘afford’ require a lot more thought and a lot more self-evaluation.” 

When it comes to “need,” Esbin recommended people consider whether they already have a very similar item, even if it’s not the newest model available, or if they already own a large quantity of the same type of item.

“You already have 35 pairs of shoes — do you need a 36th pair?” Esbin said. “When you go into the Apple store, do you need the latest iPhone, or is it just that you want it or that you convince yourself that you need it?”

Related: Residents Can Count On Experience Of Bankruptcy Attorney In Santa Clarita

The final question — “afford” — is the most difficult for most people to answer, according to Esbin. 

“Do you have life insurance? Do you have health insurance? Do you have six months of savings set aside? Have you done those things to plan for your future?” he asked. “If you have not, honestly then, you cannot afford it.” 

In the case that a person can answer “no” to any of these four questions, then Esbin recommends walking away from the purchase before it is made. 

“The first three aren’t that tough, but (it’s) the fourth question that requires you to step back and really think through where you’ve been, where you are and where you’re going,” Esbin said. “So I try to share that with as many clients as I can.” 

Ed. Note: This article is a KHTS Community Spotlight for the Law Offices of Louis J. Esbin.

Louis Esbin of the Law Offices of Louis J. Esbin is an attorney in Santa Clarita who specializes in bankruptcy law, business law and consumer protection. The motto of his firm is, “When experience counts, count on experience,” and Esbin has been practicing law locally since 1993. His experience in Los Angeles, San Francisco and New York also enables him to pledge to provide his clients with high quality, big-city legal services as a Santa Clarita attorney. In addition, the bankruptcy attorney in Santa Clarita is founding treasurer of the Santa Clarita Valley Bar Association, a founding member of the Central District Consumer Bankruptcy Attorneys Association and a member of the Financial Lawyers Conference and California Bankruptcy Forum. Those searching for the best attorney in Santa Clarita or an “attorney near me,” can contact the Law Offices of Louis J. Esbin today for more information. 

The Law Offices of Louis J. Esbin

27451 Tourney Road, Suite 120

Valencia, CA 91355-6304

661-254-5050

The Law Offices of Louis J. Esbin – Valencia

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Bankruptcy Attorney In Santa Clarita Names 4 Questions To Ask Before Making A Purchase

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