Foreclosure in Texas Archives - 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|2025-09-28T15:04:12-05:00September 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|2025-08-31T12:28:38-05:00August 28th, 2025|Bankruptcy, Bankruptcy Myths, Debt, Financial, Foreclosure in Texas, Repossession, Texas Bankruptcy|

Which debts are covered in a bankruptcy case?

If you are struggling with debt in the Dallas area, you may be considering bankruptcy as a potential solution. One of the most common questions we hear from potential clients is, “Which types of debt can actually be eliminated or reduced in a bankruptcy case?” The answer depends on your specific situation, the type of bankruptcy you file, and the nature of your debt.

In this post, we will break down the types of debt typically covered in a bankruptcy case, explain the difference between dischargeable and non-dischargeable debt, and help you understand your options. (more…)

By Mark Rubin|2025-08-01T17:27:42-05:00July 31st, 2025|Bankruptcy, Bankruptcy Myths, Debt, Foreclosure in Texas, Repossession, Student Loan Debt, 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|2025-10-01T15:52:14-05:00March 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|2025-10-01T15:52:42-05:00March 3rd, 2025|Bankruptcy, Bankruptcy Myths, Debt, Financial, Foreclosure in Texas, Personal Finance, Repossession, Taxes, Texas Bankruptcy, Videos|

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|2025-10-01T15:55:19-05:00November 30th, 2024|Bankruptcy, Bankruptcy Myths, Debt, Financial, Foreclosure in Texas, Money Management, Personal Finance|

Can you keep your property in a Chapter 7 bankruptcy?

Filing for bankruptcy can be a stressful and emotional experience, especially when it comes to wondering whether you will be able to keep your property and belongings. “Can I keep my stuff in a Chapter 7 bankruptcy?” is one of the most common questions when considering a bankruptcy proceeding. To understand the answer, it is important to understand the difference between exempt and non-exempt property under Texas bankruptcy law.

Understanding exempt and non-exempt property in Texas

When you file for Chapter 7 bankruptcy, a trustee is appointed to your case to liquidate your non-exempt assets to pay off your creditors. However, you do not have to lose everything – and often, you will not lose anything. Texas, like every other state, allows debtors to protect certain types of property using bankruptcy exemptions. The key is understanding what property is classified as “exempt” and what is “non-exempt.” (more…)

By Mark Rubin|2025-10-01T15:58:51-05:00September 13th, 2024|Bankruptcy, Bankruptcy Myths, Debt, Foreclosure in Texas, Repossession, Texas Bankruptcy, Videos|

Which rights do you have during a foreclosure?

With foreclosures in the Dallas area on the rise, we are hearing more and more questions about the rights that homeowners have during the foreclosure process. Foreclosure is obviously a challenging and confusing time, and understanding your rights is crucial for navigating the process effectively. Since we know more people are searching for these answers, I wanted to outline the key rights you have as a homeowner in Texas during foreclosure.

Right to Notice

Notice Before Acceleration: In Texas, before your lender can accelerate your loan (demand the full balance), they must provide you with a notice that gives you at least 20 days to “cure the default” (the official term for paying off the overdue amount and late fees). (more…)

By Mark Rubin|2024-01-18T09:20:09-06:00January 18th, 2024|Bankruptcy, Debt, Foreclosure in Texas, Personal Finance, Texas Bankruptcy|

How Foreclosure Works In Texas
How Foreclosure Works In Texas

Foreclosure in Texas

How Foreclosure Works In Texas

Nobody wants to think about their home getting foreclosed, but it happens. If you’re getting behind on your mortgage payments or fear you might in the future, then you need to be proactive and learn how foreclosures work in Texas and how to stop foreclosure from happening to you. (more…)

By Mark Rubin|2012-02-16T08:00:20-06:00February 16th, 2012|Foreclosure in Texas|