Blog

A letter from a law firm can ruin your day. Your hands shake. Your heart races. You see the name “Rubin Rothman” and wonder what you did wrong. The message talks about debt, deadlines, and legal action. Fear starts to grow.

Rubin Rothman Law Firm is not just any legal group. They focus on collecting debts. If they contact you, it means someone says you owe money. It may be a loan, credit card, or something you forgot long ago. It may also be a mistake.

Many people do not know what to do next. Some ignore the letter and hope it goes away. Others panic and pay right away without checking. Both are risky moves. You need to stay calm and take the right steps.

Who Is Rubin Rothman Law Firm?

Rubin & Rothman, LLC is a debt collection law firm based in New York. They work for companies that want their money back. This includes credit card lenders, medical bill collectors, and debt buyers. These companies hire Rubin Rothman to contact people who they say still owe money.

The firm uses letters, phone calls, and lawsuits. Their main job is to collect payment. If they can’t reach an agreement, they may sue. Once they win a case, they might ask the court to take money from your paycheck or freeze your bank account.

That sounds harsh, but they follow the law. At the same time, mistakes can happen. You may not owe the full amount. The debt might be old. You might not owe anything at all. That’s why you must understand your rights and options before you do anything.

Rubin Rothman works mostly in New York courts, but debt collection often crosses state lines. Even if you live in another state, they may still try to contact you if your debt started in New York or the company has ties there.

Why They Might Contact You

A letter from Rubin Rothman often means one thing. Someone says you owe money. This could be an old debt or something recent. You may have missed a payment. You may not have heard from the company in a long time. Then, without warning, this law firm reaches out.

The debt may come from a credit card, loan, medical bill, or store account. It might not be with the same company. Your original lender could have sold it. A collection company may now own it and hire Rubin Rothman to collect.

Some people agree they owe the money. Others believe it is wrong. That is why you must read every word. Check the date. Look at the amount. See if the details match your records. Debts can be wrong or listed twice.

If you get a letter or a call, take it seriously. Do not wait. If you ignore it, they may sue. If you miss the court date, they could win by default. That could lead to wage garnishment, frozen accounts, or harm to your credit.

What Clients and Consumers Say

People have shared mixed reviews about Rubin Rothman. Some say the firm acted in a fair and honest way. Others say they felt pressure and fear. Everyone’s story is different, but many share common themes.

Several people say the firm answered questions clearly. Some reached settlements and avoided court. A few even said they were able to pay less than the full amount. These people said the firm treated them with respect once they responded.

On the other hand, some people said they felt rushed. Some claim they were never told about a court case until after the judgment. Others say the firm contacted friends or family, which made them feel embarrassed and angry.

Some reviews talk about unclear billing, quick threats of legal action, or high-pressure phone calls. These stories can be upsetting. But not every review is bad. The key is how you respond and what steps you take early. If you want to compare how other firms handle similar cases, read this guide on the Cheves Briceno Law Firm, which focuses on personal and client-centered representation.

What You Should Do First

Stay calm. Do not act out of fear. Take a few steps to protect yourself. The first step is to read everything. Look at the name, the date, the balance, and any case number.

If you do not know the debt, ask for proof. You can write a simple letter asking them to show where the debt came from. This is called a debt validation letter. You must send it within 30 days of their first contact.

Keep a copy of everything. Save emails. Take notes of calls. Write down names, dates, and what they say. If you end up in court, this will help your case.

If you receive a lawsuit, do not ignore it. Courts expect a response. If you say nothing, the court may rule against you. That can lead to money being taken from your wages or bank account.

What You Should Not Do

Do not throw away the letter. It is real, and ignoring it may cost you. Many people lose because they fail to respond in time. The law firm uses that silence to win in court.

Do not admit to anything over the phone. Some calls are recorded. If you say, “Yes, I owe it,” they may use that later in court. Only talk about the debt once you have all the facts.

Do not rush to pay just to make it go away. Paying even a small amount can restart the time limit on an old debt. That may give the firm more time to sue you.

Do not agree to a payment plan you can’t afford. If you miss a payment, they may take you back to court. Always get a deal in writing. Never trust a promise made over the phone.

Can You Settle the Debt?

Yes, many people have settled debts with Rubin Rothman. You can offer a lump sum or ask for monthly payments. They may agree to take less than the full amount, but you must ask and be firm.

Before you settle, check the age of the debt. Each state has a rule called the statute of limitations. If the debt is too old, they may not be able to sue. In New York, this period is usually six years for most debts.

If you agree to settle, get it in writing. Do not send money before you see the terms. Make sure it says that the debt is settled in full or that no future action will take place.

Settling a debt may affect your credit. It may show up as “settled,” not “paid in full.” But it often stops the lawsuit or the calls. For many people, peace of mind is worth it. If you face financial pressure due to divorce or family court, you can also explore legal help through a spousal support law firm in Colorado

Know Your Legal Rights

You have rights under the Fair Debt Collection Practices Act. This law stops collectors from calling too early or too late. They cannot lie or make threats. They cannot contact your employer without a valid reason.

New York has extra laws that protect you. If Rubin Rothman breaks any rule, you can report them. You can file a complaint with the state attorney general or the Consumer Financial Protection Bureau.

You also have the right to speak with a lawyer. If you cannot pay for one, you may qualify for free legal aid. Some groups offer advice or help in court at no cost.

Stay informed. Do not let legal words scare you. You do not have to deal with this alone. Many others have faced the same stress and found a way through it.

Conclusion

Rubin Rothman Law Firm may seem big and aggressive. You may feel stressed when they contact you. But you still have control. You are not stuck. You have rights, and you have options. Start with the letter. Read every word. Check the amount, the name, and the dates. Do not skip over details. These facts matter.

Do not panic. Do not throw the letter away. Take one step at a time. A calm and clear response works better than fear or silence. Ask questions. Keep records. Write down every call, name, and number. These small actions protect you later.

You may owe the debt. You may not. That does not matter as much as how you respond. Your next steps decide what happens. Speak to legal aid if you feel unsure. Ask the law firm to prove the debt. Do not accept any deal too fast. Think before you agree. Your words and actions can affect your credit, your paycheck, and your bank account.

Debt does not make you less. You are not alone. Many people face the same fight and win. You have the right to be heard and treated with fairness. Stay focused. Stay calm. Take action early. You will have more power than you think.