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. You can even be sued for bad debts by the creditor or debt buyer.

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 west Houston. We will review your options with you.

In some cases, you may want to consider filing a bankruptcy case to get a fresh start. For more information or to instant download our free publications, go to, or just give us a call.

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