Every part of Mr. Black's Houston legal practice circles back to one primary goal: debt relief. Whether your troubles stem from foreclosure, student loans, credit cards or IRS-related issues, the Law Office of J. Thomas Black will help you get back on track.

Chapter 7 Bankruptcy

Filing for Chapter 7 bankruptcy can help people that are buried by debt get back on track. In order to file, you must meet certain requirements that Attorney J. Thomas Black can discuss with you, such as the "means test."

If you are eligible to file chapter 7 in Texas, most people lose no property, only their debts. But if you have "non-exempt" property such as lake lots, stock portfolios or rental property, you will need to surrender all non-exempt property to a bankruptcy trustee. And most types of debts are "discharged" or cancelled —such as credit cards, personal loans, and leases.

IRS Problems

When Benjamin Franklin said that nothing is certain except death and taxes, he was not kidding. If you do not pay your taxes, the IRS has the power to seize nearly everything you own to pay that debt. When your IRS debts become unmanageable, it's time to contact an attorney that understands IRS problems like J. Thomas Black. There are options for payment plans, settling by paying a smaller lump sum or for filing bankruptcy.