A dba, Assumed name certificate, Fictitious business name or Trade name is just a certificate you are legally required to file. It helps you open a bank account and be legal but it does not protect your personal assets because the business entity is still a sole owner. A sole owner is liable for all civil or financial liability that the business incurs.

Should you file dba, Incorporate, or Form an LLC: Generally, if you are one person, and have a lot of personal assets, the best choice would be to incorporate or form an llc, You will be protected. If you don't have a lot of assets ( such as a home and an expensive car ), you may want to just want to appy for DBA . A corporation, depending on the state you want to incorporate, or form an LLC, may cost $100 to $200 more than a dba but it protects your personal assets. A dba does not protect you.

You can only operate your business in the county or city you file dba, for each addtitional county or city you have to file seperate dba.
 

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