Financial Archives - Page 2 of 5 - Rubin & Associates

Can you file for bankruptcy without an attorney?

For many DFW-area families, it only takes one unexpected expense to cause out-of-control debt. When debt starts to spiral, many individuals and families begin to explore the possibility of bankruptcy. One of the most common questions people ask at this early stats is “Can I file for bankruptcy without an attorney?” While it is legally possible to file a bankruptcy petition on your own, it is never a good idea to file without the guidance of an experienced bankruptcy attorney. Bankruptcy is a complex legal process with high stakes, and attempting to handle it on your own can create significant risks. (more…)

By Mark Rubin|2026-06-29T09:04:05-05:00September 26th, 2025|Bankruptcy, Bankruptcy Myths, Debt, Financial, Foreclosure in Texas, Repossession, Texas Bankruptcy|

Can you keep your stuff in a Chapter 13 bankruptcy?

One of the emost common questions we hear from potential clients is, “If I file for Chapter 13, am I going to be able to keep all of my stuff?” If you are asking this question, I want you to know that you are not alone. This is one of the most common and most understandable questions people have when they consider bankruptcy. The thought of losing your home, your car, or even your personal belongings is frightening. When you site down for a free consultation with me, my goal is to explain exactly how Chapter 13 works, why you are generally able to keep your property, and which laws provide those protections. By the end of our discussion, I want you to feel informed and reassured that bankruptcy was designed to give people a structured path to rebuild. (more…)

By Mark Rubin|2026-06-29T09:04:44-05:00August 28th, 2025|Bankruptcy, Bankruptcy Myths, Debt, Financial, Foreclosure in Texas, Repossession, Texas Bankruptcy|

Can you file for bankruptcy more than once?

Unfortunately, sometimes bad things happen to good people more than once. An unexptected hospital bill, the loss of a job, a reduction on pay, or any other financial setback can cause spiraling debt. Sometimes, lightning does strike twice. If you are struggling with overwhelming debt and considering bankruptcy, you may be wondering whether it is possible to file for bankruptcy more than once. The answer is yes — individuals can file for bankruptcy multiple times. However, the timing between filings, the type of bankruptcy previously filed, and the outcome of that case all play critical roles in determining your eligibility and what protections you will receive.

At Rubin & Associates, we understand that financial hardship can strike more than once, even for higher-income families. Whether you have previously filed a Chapter 7 or Chapter 13 case, it is important to know how the law handles repeat filings and how we can help you strategically plan your next steps. (more…)

By Mark Rubin|2026-06-29T09:08:34-05:00June 20th, 2025|Bankruptcy, Bankruptcy Myths, Debt, Financial, Money Management, Personal Finance, Texas Bankruptcy|

Does my spouse have to file bankruptcy with me?

One of the most common questions we hear from potential clients is “Does my spouse have to file for bankruptcy with me?” This question is especially relevant for higher-income residents in Dallas, Texas, who often manage complex financial portfolios and obligations. There is no rule requiring that a spouse also file for bankruptcy, but in certain situations, it may be benficial to do so. Let me explain the nuances so you can ease your mind and make a clear decision. (more…)

By Mark Rubin|2026-06-29T09:09:07-05:00May 22nd, 2025|Acquisitions, Bankruptcy, Bankruptcy Myths, Debt, Financial, Personal Finance, Texas Bankruptcy|

What is the automatic stay?

When you are struggling with overwhelming debt, the pressure can feel relentless — calls from creditors, letters demanding payment, even the threat of foreclosure or repossession. But filing for bankruptcy can offer powerful relief, and one of the most immediate and impactful tools it provides is the automatic stay.

The automatic stay is a legal provision that instantly goes into effect the moment you file for bankruptcy. It’s a court-ordered injunction that stops most collection efforts in their tracks, giving you the breathing room you need to get your finances under control. (more…)

By Mark Rubin|2026-06-29T09:09:38-05:00March 28th, 2025|Bankruptcy, Debt, Financial, Foreclosure in Texas, Repossession, Taxes, Texas Bankruptcy|

Can you file for bankruptcy during a divorce?

One of the most common questions about bankruptcy is, “Can you file for bankruptcy during a divorce?” The short answer is yes, but there are several considerations to take into account before moving forward with both legal processes simultaneously. Understanding the potential advantages and complications can help you determine the best course of action for your financial future.

Bankruptcy and divorce: two separate legal processes

Bankruptcy and divorce are both complex legal matters, and while they may overlap in certain areas, they remain distinct processes. Bankruptcy is a federal legal procedure designed to help individuals eliminate or restructure debt, while divorce is a state-level legal process that involves the division of assets, liabilities, and determining responsibilities such as spousal or child support. (more…)

By Mark Rubin|2026-06-29T09:10:27-05:00March 3rd, 2025|Bankruptcy, Bankruptcy Myths, Debt, Financial, Foreclosure in Texas, Personal Finance, Repossession, Taxes, Texas Bankruptcy, Videos|

Can you buy a home or car during bankruptcy?

Filing for bankruptcy can be a stressful and complex process, often leading to many questions about what you can and cannot do financially. One common question we hear is whether it is possible to buy a home or a car while going through bankruptcy. The short answer is yes, but there are significant challenges and considerations you need to be aware of before making such decisions. (more…)

By Mark Rubin|2026-06-29T09:10:58-05:00January 22nd, 2025|Financial|

Is there an income limit to file for bankruptcy?

Financial struggles are more common that most people think – most Dallas-area residents are only one financial bump in the road away from out of control debt. One of the most common questions we hear in initial consultations with clients is if there is an income limit to file for bankruptcy. One of the most common misconceptions about bankruptcy is that it is only available to people with very low incomes. This simply is not true. Whether you are earning a modest salary or have a high-paying job, bankruptcy can still be a viable option for getting your finances back on track. (more…)

By Mark Rubin|2026-06-29T09:15:33-05:00November 30th, 2024|Bankruptcy, Bankruptcy Myths, Debt, Financial, Foreclosure in Texas, Money Management, Personal Finance|

Another amazing review for Rubin & Associates

We received an amazing testimonial for Rubin & Associates from a recent client and we wanted to share it here on our site. We know that are quite a few bankruptcy attorneys in Dallas and it can be difficult to choose one to help you through an already stressful period of your life. Reading what other people have to say can always help, so we try to share as many of these testimonials as possible.

Here’s what our recent client AJ had to say:

I haven’t had the chance to personally thank you for your help and I want to take a moment to do that now.

A client of yours recommended me to you and told me how you really helped her. I was skeptical at first and scared as well because I had gotten myself in trouble with debt again.

I prayed and asked God was this the right thing to do because I didn’t want to lose anything I had worked so hard for. Now that I am putting myself through school to have more pay it was very hard for me to work extra hours and keep everything up and trying to study at the same time.

I knew I had to do something and I was sent to you. Mr. Rubin, I cannot express enough how grateful I am for your help. I still have my vehicle, I can put myself through school and not lose anything and I am so thankful for your help. You are truly a blessing and I just want to say Thank you, Thank you.

May God continue to bless you, your staff and the work you do to help me and others… Again a deep thank you for your help.

Thank you!

By Mark Rubin|2024-11-15T08:42:29-06:00November 13th, 2024|Bankruptcy, Debt, Financial|

How do you know if you need to file for bankruptcy?

Financial stress can be overwhelming, especially when debts start to mount and you feel like you’re struggling just to stay afloat. Many people wonder if bankruptcy might be the solution, but deciding whether or not to file for bankruptcy can be complex. It is a big decision with lasting effects, and understanding when it might be appropriate to consider bankruptcy is essential. You should always talk with an experience bankruptcy attorney – they’ll help you understand your financial picture and assist you in choosing the right path forward. you should also watch for these common signs:

You are struggling to make minimum payments on debts

One of the first indicators that bankruptcy might be worth considering is when you are unable to make the minimum payments on your credit cards, loans, or other debts. Minimum payments are usually designed to keep you in good standing with creditors, but if even these are a challenge, it could mean your debt has grown unmanageable. While this situation does not automatically mean bankruptcy is the answer, it’s often a red flag that financial assistance may be needed. (more…)

By Mark Rubin|2026-06-29T09:16:52-05:00October 30th, 2024|Bankruptcy, Bankruptcy Myths, Debt, Financial|