If you are in debt and have delinquent accounts in collection, you have a lot of company if you live in Houston or in Texas. According to a report entitled Delinquent Debt in America by the Urban Institute, almost 44% of the population of Houston has collection accounts on their credit report. These are debts that have gone unpaid so long that they have been "charged off" by the original creditor and referred to debt collectors or sold to debt buyers.
If you have debt troubles, call us at 713-772-8037 anytime, and make an appointment to come in to see us at our law office in the Westchase area of west Houston. We will review all of your available options with you.
In some cases, you may want to consider filing a bankruptcy case to either discharge the debt completely in chapter 7 of the U.S. Bankruptcy Code, or repay your debt at a level that you can afford under chapter 13. We will discuss your options with you honestly, and we don't have any high pressure tactics. We want you to do what is best for you. For more information or to instant download our free publications, go to www.jthomasblack.com.