J Thomas Black
Board Certified, Consumer Bankruptcy Law- Texas Board of Legal Specialization

A client came in for his signing appointment recently, to sign his Chapter 13 bankruptcy petition and plan, and afterwards said it was an "unbelievable relief." He said it worked out better than he thought it would, and was better than he bargained for.

Chapter 13 can work very well for some people. In his case, he owes the IRS about $6,000, $12,000 on a truck and about $35,000 in credit card debt. By using Chapter 13 to combine all his debt together, reducing what is paid back to the credit card debt, and stretching it all out over 5 years, his monthly payments are reduced from about $1475 per month to $450 per month.

And at the end of 5 years, he will be totally debt-free. And that includes all of my attorney fees and costs; he only had to pay $400 upfront for the costs to get the case started. Chapter 13 doesn't work as well for everyone, everyone's case is different. But if you live in the Houston Texas area or surrounding counties, I offer a free first visit to review your situation and show you how the various options work. For an appointment, call my office at 713-772-8037, or make an appointment on the online appointment scheduler on the home page of this website.

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