6. Can I afford the time?
You have to bear in mind that civil litigation may be a long-drawn-out battle, which can take months or even years before the case is heard and the court passes judgment.
If your claim is not defended (i.e. your opponent does not defend against your claim), you may obtain judgment without attending any court hearing.
But if your claim is defended, you need to take time to prepare your case. For example, you will have to put together copies of all relevant documents or spend time getting statements from witnesses. You will probably be required to attend court hearings and, even if you win the case, you may have to spend more time to enforce your judgment.