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

If you have delinquent credit accounts in collection, you have a lot of company if you live in Houston or even 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. For Texans in general the percentage of the population is 44.7%. Collection accounts 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. You may even get sued for your bad debts.

If you have debt troubles like this, 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. Either way, you can get a fresh financial start.

We will discuss your options to deal with your debts honestly, and we don't have any high pressure tactics. We want you to do what is best for you, whether it is filing for bankruptcy, settling with your creditors, or something else. For more information or to instant download our free publications, go to www.jthomasblack.com.

Do you have delinquent debts in collection? Are debt collectors calling and harassing you? Is it keeping you up at night or causing you family or other problems? Please leave any comments below, we welcome your comments.

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