It’s always great to hear from happy clients… Bad things can happen to good people, and we love to help hard working Dallas area residents get a fresh start. Here’s an awesome review left recently by Mr. Shaw:

Mr. Rubin was at the 341 meeting with me in Plano. Sitting there nervously waiting, I was relieved to see Mr. Rubin walk in. This process is new to me. I was very apprehensive and a bit depressed in the first meeting with Mr. Rubin. I felt ashamed and feeling I had failed in my responsibilities. I left the meeting feeling a bit better with the confidence and knowledge that Mr. Rubin showed.

The entire staff I have been involved with at your offices have all been very pleasant, helpful and respectful, and left me feeling much more comfortable about this whole process.

After leaving the meeting yesterday with Mr. Rubin in the Chapter 13 Bankruptcy Office, I wanted him to know how much I appreciate his efforts and his work. Being represented by someone so comfortable in his abilities and knowledge has put me and my family at ease and confident that we have done the right thing and the future looks much better.

In my work as a Commercial Pilot, I strive to be as knowledgeable, proficient and confident in my flying as I can be, so that my passengers are relaxed and comfortable and safe on their flight. I take that responsibility very seriously. Its a good feeling at the end of a difficult flight to see their appreciation. Not unlike what Mr. Rubin has done for me. I can see that he takes his job and responsibilities very seriously as well.

Please tell him and his staff, thank you, for me and my family. We are very grateful.

Many of our clients wonder how a bankruptcy proceeding will affect their property and their family’s future. Contrary to popular myth, bankruptcy will not result in the loss of all of your property.

Each state decides on the available “exemptions”, which are basically lists of things that you can keep and isolate from a bankruptcy proceeding. In other words, the exemptions are removed from the estate – so the trustee and court are not able to touch them.

In Texas, the following exemptions are available:

Homestead exemption

If you live in a city and your home in on 10 acres or less OR if you’re in the country on 100 acres or less, your home is protected. If you sell your home, the proceeds from the sale are exempt for six months after the sale.

Motor vehicle exemption

You can protect the entire value of one vehicle per each member of your household who is licensed to drive.

Personal property exemption

If you’re a single adult, you can exempt up to $50,000 worth of personal property, or up to $100,000 worth if you’re married. Personal property can include home furnishings, clothing, food, jewelry (which can only account for a quarter of the total exemption), sporting equipment, up to two firearms, burial plots, and health savings accounts.

Retirement account or pension exemption

Most tax exempt retirement accounts and pension accounts are exempt in a bankruptcy proceeding.

If you’ve got more questions about exemptions or how your property and possessions can be protected in a bankruptcy case, please call us today at 214-760-7777 for a free consultation. We’re happy to take the time to sit down with you and explain the ins and outs of your potential bankruptcy proceeding.

Let’s face it – College is expensive, and costs continue to increase every year. We feel a responsibility to help support the Dallas area students who are interested in pursuing a career in law, so we’re proud to announce our the new Rubin & Associates college scholarship program!

If you’re a local Dallas area student and are either enrolled in college or plan to be enrolled in the fall of 2016, you’re eligible. All you have to do is write an amazing essay about why you want to be a lawyer, and what you hope to be able to contribute to society once you’ve passed the bar.

We’ll collect essays from now until April 30, 2016, and then our team will choose the winner. We’ll cut a $1,000 check right to your school – you can use it on books, living expenses, or tuition – it’s up to you!

To enter, and for the full details of the scholarship competition and disclaimers for entrants, head over to our scholarship page. Good luck to all our entrants!