code: def _filepath_converter(self, user_path, file_name):
          
          path = user_path or os.path.join(os.getcwd(), 'billing_reports', os.path.sep)
          dir_specified = path.endswith(os.sep)
          if dir_specified:
              path = os.path.join(path, file_name)
          path = os.path.abspath(path)
  
          directory = os.path.dirname(path)
          if not os.path.isdir(directory):
              os.makedirs(directory)
  
          if os.path.exists(path):
              raise IOError('SDK will not write into an existing path: %r' % path)
  
          return path
docs: Logic for obtaining a file path
  
          :param user_path: a path as provided by the user. perhaps a file or directory?
          :param file_name: the name of the remote file
          :return: