When you call the hospital to ask them if you should go to the emergency room, their normal response is normally the same. If you are calling the hospital, obviously there is something traumatic and you should go to the emergency room.
The same response should be for bankruptcy. If you are wondering whether you should talk to an attorney, the answer is you already know you should. My firm, like most firms, will sit down and discuss your legal issues with you for free. Once you feel that you need advice, go get it as soon as possible. You do not have to file for bankruptcy, but you will be given choices, information, and time lines.
So, if you are reading this article, find a qualified bankruptcy attorney and go over your issue.