If you're not operating as a limited liability entity, any judgment can be levied against you personally. Similarly, if you order several acupuncture tables and don't pay for them, that's a business debt for which you'll be held personally liable without having a PLLC in place. While the decision is ultimately yours, you may want to speak to your accountant, insurance broker and business attorney to properly identify the risks and costs.
Nina L. Kaufman, Esq. is an award-winning New York City attorney, edutainer and author. Under her Ask The Business Lawyer brand, she reaches thousands of entrepreneurs and small business owners with her legal services, professional speaking, information products, and LexAppeal weekly ezine. She also writes the Making It Legal blog.