That's like saying it's silly to ask a doctor why you have chest pain before you ask Reddit. This is not an area where you want the opinions of a bunch of non-experts. Pay the relatively small amount of money to find out the answer from some who actually understands the relevant law.
Do you always run to the doctor at the first sign of chest pain? I would bet you, or most everyone, does just a little bit of research/asking around first. That's all I'm doing.
