Your Frequently Asked Questions about Debt and Bankruptcy in Houston

Although you may feel very alone right now, you should take solace in the fact that we didn't just invent these questions—we hear them frequently from individuals just like yourself. Consumer debt is a nationwide problem and with a little legal guidance, you can be well on your way to living a fulfilling life.

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  • Can I Get A 720 Credit Score After Bankruptcy?

    Yes. People find this amazing, but it is true. And with a new educational program called 7 Steps To A 720 Score that we provide free to our bankruptcy clients, it is guaranteed to happen within 12-24 months, so long as you follow the instructions.

    Anyone that chooses Law Office of J. Thomas Black to handle his or her bankruptcy gets free enrollment into’s course, 7 Steps to a 720 Credit Score. If you buy the program directly, it costs $1,000. However, if you let us handle your bankruptcy, we give it to you absolutely free.

    This is in addition to our usual "credit clean up" service, that we have used for our clients for years, to get them off to a good start after a bankruptcy. We have disputed the "tradelines" or creditors with the credit bureaus, which by itself can raise credit scores from 25- 150 points.

    But may of my clients have asked for more help, and the 7 Steps to a 720 Credit Score is the perfect answer. Even people with bankruptcies, foreclosures, repossessions, and collections can have a 720 credit score in just 12- 24 months.

  • What Can I Do To Improve My Credit?

    Many of my clients want to improve their credit. The best things to do: (1) pay your debts on time; (2) use credit only when necessary, and only have a small number of credit cards; (3) use only a small percentage of your available credit. The credit scoring systems look at your "utilization ratio" to try to tell if you are using credit responsibly, or if you are "maxed out" (4) check your credit reports at least annually for free at, which is the official website sponsored by the three major credit reporting agencies. Dispute inaccurate or obsolete information.

    If you are currently "swamped" with debt, consider filing bankruptcy to get a fresh financial start. Your credit can recover quickly if you follow the above advice after the bankruptcy. I have clients whose credit score is over 650 after one year after bankruptcy, and 700+ after two years. You really can recover your credit after a bankruptcy, I've heard that from many of my past clients over the years.