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Mr. J. Thomas Black

Mr. J. Thomas Black

Law Office of J. Thomas Black, P.C.
  • Bankruptcy
  • Texas
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Summary

J. Thomas Black graduated from South Texas College of Law in Houston in 1982, and started his own firm in 1986. Mr. Black has always specialized in consumer and small business bankruptcy law, tax collection defense, debt negotiation and related matters.

Mr. Black's firm currently consists of Mr. Black, two associate attorneys, two full time paralegals, and other support staff. Mr. Black was Board Certified in Consumer Bankruptcy Law by the Texas Board of Legal Specialization in 1989, and he was re-certified in 1994, 1999, 2004, 2009, and 2014. Mr. Black served as President of the Houston Association of Debtor Attorneys from 1999 until 2002.

Mr. Black is licensed to practice in the U.S. District Courts for the Southern, Eastern, and Western Districts of Texas, the Fifth Circuit Court of Appeals, and the U.S. Tax Court. He is a Fellow of the College of the State Bar of Texas, and a member of the Pro Bono College of the State Bar of Texas.

Mr. Black is a Fellow of the Houston Bar Foundation. Mr. Black is a member of the State Bar of Texas, the National Association of Consumer Bankruptcy Attorneys, the National Association of Consumer Advocates, and he currently serves as Secretary-Treasurer of the Houston Association of Consumer Bankruptcy Attorneys.

Practice Area
  • Bankruptcy
Fees
  • Free Consultation
  • Rates, Retainers and Additional Information
    Most Bankruptcy Matters Handled on Fixed Fee Basis; Hourly Fees and/or Contingent Fees Typically Charged On Other Matters
Jurisdictions Admitted to Practice
Texas
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5th Circuit
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Languages
  • English: Spoken, Written
  • Spanish: Spoken
Professional Experience
Attorney
Law Office of J. Thomas Black, P.C.
- Current
Consumer bankruptcy law practice. Mr. Black also represents consumers in adversary proceedings and civil actions against banks, mortgage servicers, and debt collectors in U.S. Bankruptcy Court and U.S. District Court for violations of bankruptcy automatic stay and discharge violations, and violations of state and federal consumer protection laws.
Education
South Texas College of Law
J.D. | Law
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Indiana University - Indiana University-Bloomington
B.A. | History
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Indiana University - Indiana University-Bloomington Logo
Awards
Pro Bono Award
State Bar of Texas Bankruptcy Section
Super Lawyer
Texas Super Lawyers
Outstanding Individual Contribution
Houston Volunteer Lawyers Program
Pro Bono Service Award
U.S. Bankruptcy Court, So. District of Texas
Board Certified- Consumer Bankruptcy Law
Texas Board Of Legal Specialization
Professional Associations
Houston Association of Consumer Bankruptcy Attorneys
Secretary Treasurer
- Current
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National Association of Consumer Bankruptcy Attorneys
Member
- Current
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The Pro Bono College of the State Bar of Texas
Member
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Houston Volunteer Lawyer's Program
Reasons for Debtors To File Chapter 13 vs. Chapter 7
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Houston Bar Association
Pro Bono LegalLine Volunteer
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State Bar of Texas
Currently licensed as Texas Attorney
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Military Heros Radio Show
Veterans and Bankruptcy
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HVLP Monthly CLE Seminar
The Nuts & Bolts of Chapter 7 Bankruptcy
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2nd Annual Bankruptcy Paralegal Seminar
The Intersection of Bankruptcy and the IRS
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HVLP Monthly CLE Seminar
ABC's of Bankruptcy
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Accounting Firm Lunch and Learn
Discharging IRS Taxes Through Bankruptcy
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AIDS Unit Volunteer Attorney Seminar
Bankruptcy
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NACBA 11th Annual Convention
Attorney Fees In Chapter 13
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Publications
Articles & Publications
Glossary of Common Bankruptcy Terms - Bankruptcy Terms You Need to Know
Law Office of J. Thomas Black, P.C.
Surviving Your Student Loan Debt- Secrets the Collectors Don't Want You to Know
Law Office of J. Thomas Black, P.C.
I.R.S. Problems? 5 Ways to Get the I.R.S. Off Your Back!
Law Office of J. Thomas Black, P.C.
How To Deal With Texas Debt Collection Lawsuits- 7 Mistakes That Can Cost You a Lot!
Law Office of J. Thomas Black, P.C.
What You Need To Stop Your Texas Foreclosure Now!
Law Office of J. Thomas Black, P.C.
Get Out of Debt With A Texas Bankruptcy- Important Secrets To Know Before You Hire An Attorney Or Sign Papers
Word Association Publishers
Speaking Engagements
Veterans and Bankruptcy , Military Heroes Radio Show , Houston TX
KKHT 100.7 FM
Tips for Chapter 13 Success , Consumer Bankruptcy Seminar , Galveston TX
University of Texas
Reasons to File Chapter 13 vs. Chapter 7 , Consumer Pro Bono Under the Bankruptcy Code , Houston, TX
Houston Volunteer Lawyer Program
Preparing Bankruptcy Schedules to Keep Your Client Out of Jail , NACBA 22nd Annual Convention , New York City, NY
National Assoc. of Consumer Bankruptcy Attorneys
Certifications
Board Certified- Consumer Bankruptcy
Texas Board Of Legal Specialization
Videos
We have many people from all over the Houston, Texas and surrounding areas come to our law office with student loan debt that is out of control. Student loan debt is crushing the dreams of many Americans.  There are several repayment options with federal student loans including deferment and forebearance, rehabilitation and income-based or income-contingent repayment plans.   You may not be aware that there are also public service and teacher forgiveness programs, and ways to discharge your federal student loans if you are disabled, and certain other reasons.  Student loans are not generally dischargeable in bankruptcy, unless you can show "undue hardship." But it is possible to file chapter 13 bankruptcy, and stop the collection activities of the student loans lenders or debt collectors, for 3-5 years.   For some people, this gives them the "breathing spell" that they need to get rid of their other debts, and then be ready to deal with the student loans when the plan is completed.  Private student loans can be especially problematic, because they do not have all of the repayment options that federal loans have. If you have private student loans that are in default, or you will be defaulting soon, you may have an especial need for an attorney as they often file lawsuits to try to collect their debts.  We represent people in such lawsuits, and we would be happy to review all of your options with you concerning your student loans at one of our offices.   If you live in the Houston, Texas metropolitan area or surrounding counties, just call our main telephone number at 713-772-8037 or visit our website at http://jthomasblack.com. Don't Let Student Loan Debt Crush Your Dreams- You Have Options- Call our Houston office

We have many people from all over the Houston, Texas and surrounding areas come to our law office with student loan debt that is out of control. Student loan debt is crushing the dreams of many Americans. There are several repayment options with federal student loans including deferment and forebearance, rehabilitation and income-based or income-contingent repayment plans. You may not be aware that there are also public service and teacher forgiveness programs, and ways to discharge your federal student loans if you are disabled, and certain other reasons. Student loans are not generally dischargeable in bankruptcy, unless you can show "undue hardship." But it is possible to file chapter 13 bankruptcy, and stop the collection activities of the student loans lenders or debt collectors, for 3-5 years. For some people, this gives them the "breathing spell" that they need to get rid of their other debts, and then be ready to deal with the student loans when the plan is completed. Private student loans can be especially problematic, because they do not have all of the repayment options that federal loans have. If you have private student loans that are in default, or you will be defaulting soon, you may have an especial need for an attorney as they often file lawsuits to try to collect their debts. We represent people in such lawsuits, and we would be happy to review all of your options with you concerning your student loans at one of our offices. If you live in the Houston, Texas metropolitan area or surrounding counties, just call our main telephone number at 713-772-8037 or visit our website at http://jthomasblack.com.

If you have I.R.S. problems and owe the I.R.S. a lot of money, filing bankruptcy may be an option for you to consider. As soon as a bankruptcy is filed, an "automatic stay" or federal court order goes into effect, that tells your creditors including the I.R.S. that they cannot continue to collect their debts, at least for the time being.  If you owe income taxes that qualify, you may be able to discharge or cancel them completely in chapter 7 bankruptcy. If you owe income taxes or payroll taxes, you may be able to reorganize and pay them out over time, as long as 60 months, through a chapter 13 plan.  If you come in to see us, we will also review your "non-bankruptcy" IRS options with you, including installment agreement, innocent spouse, and offer in compromise. Some people even qualify for "currently not collectible" status, where the IRS just "puts your file on a shelf" so to speak, possibly so long that the statute of limitations runs and the tax is no longer legally owed.  Don't wait. People with problems with the Internal Revenue Service often procrastinate or put off dealing with it. Come in and see us; we don't bite. And more than likely, we will be able to give you a plan and show you the way to solve your IRS problems. It's up to you take the first step. Call us at 713-772-8037.  If you live in the Houston, Texas area or Katy, Spring, Cypress, Sugar Land, Stafford, or Pearland, or the surrounding counties including Fort Bend, Montgomery County, Galveston, Brazoria, and Austin Counties, call our office today at 713-772-8037 and tell us that you need an appointment. There is no charge for your first consultation with one of our attorneys. Visit http://jthomasblack.com for more information.  We are a debt relief agency and we help people file bankruptcy. IRS Taking Your Paycheck or Bank Account? File Bankruptcy & Stop It & Possibly Cancel It

If you have I.R.S. problems and owe the I.R.S. a lot of money, filing bankruptcy may be an option for you to consider. As soon as a bankruptcy is filed, an "automatic stay" or federal court order goes into effect, that tells your creditors including the I.R.S. that they cannot continue to collect their debts, at least for the time being. If you owe income taxes that qualify, you may be able to discharge or cancel them completely in chapter 7 bankruptcy. If you owe income taxes or payroll taxes, you may be able to reorganize and pay them out over time, as long as 60 months, through a chapter 13 plan. If you come in to see us, we will also review your "non-bankruptcy" IRS options with you, including installment agreement, innocent spouse, and offer in compromise. Some people even qualify for "currently not collectible" status, where the IRS just "puts your file on a shelf" so to speak, possibly so long that the statute of limitations runs and the tax is no longer legally owed. Don't wait. People with problems with the Internal Revenue Service often procrastinate or put off dealing with it. Come in and see us; we don't bite. And more than likely, we will be able to give you a plan and show you the way to solve your IRS problems. It's up to you take the first step. Call us at 713-772-8037. If you live in the Houston, Texas area or Katy, Spring, Cypress, Sugar Land, Stafford, or Pearland, or the surrounding counties including Fort Bend, Montgomery County, Galveston, Brazoria, and Austin Counties, call our office today at 713-772-8037 and tell us that you need an appointment. There is no charge for your first consultation with one of our attorneys. Visit http://jthomasblack.com for more information. We are a debt relief agency and we help people file bankruptcy.

If you've been "served" with a lawsuit for debt, come see us right away to discuss your options. If filing bankruptcy is your choice, as soon as either chapter 7 or chapter 13 is filed, an "automatic stay" or federal court injunction goes into effect as soon as a bankruptcy is filed, preventing the lawsuit from going forward, at least without permission from the Bankruptcy Court.  Don't wait, if you have been served with a lawsuit. Go see an attorney right away. If you delay, a "default judgment" may be entered against you. With a judgment, a creditor can seize your bank accounts and other non-exempt property.  If you have other options, we will discuss them with you when you come in. Some people have valid defenses to lawsuits, so it may be worthwhile to fight them. Others want to and are able to settle with the plaintiffs.   But if you don't have any other choice, bankruptcy may be the best option; it just depends on your circumstances. Even if you already have a judgment against you, it can likely still be stayed and the debt discharged in bankruptcy.  If you live in the Houston, Texas area or the surrounding counties including Fort Bend, Montgomery County, Galveston, Brazoria, and Austin Counties, call our office today at 713-772-8037 and tell us that you need an appointment. There is no charge for your first consultation with one of our attorneys. Visit http://jthomasblack.com for more information. Served with a credit card lawsuit in Houston? Filing Bankruptcy May Get Rid of It for Good

If you've been "served" with a lawsuit for debt, come see us right away to discuss your options. If filing bankruptcy is your choice, as soon as either chapter 7 or chapter 13 is filed, an "automatic stay" or federal court injunction goes into effect as soon as a bankruptcy is filed, preventing the lawsuit from going forward, at least without permission from the Bankruptcy Court. Don't wait, if you have been served with a lawsuit. Go see an attorney right away. If you delay, a "default judgment" may be entered against you. With a judgment, a creditor can seize your bank accounts and other non-exempt property. If you have other options, we will discuss them with you when you come in. Some people have valid defenses to lawsuits, so it may be worthwhile to fight them. Others want to and are able to settle with the plaintiffs. But if you don't have any other choice, bankruptcy may be the best option; it just depends on your circumstances. Even if you already have a judgment against you, it can likely still be stayed and the debt discharged in bankruptcy. If you live in the Houston, Texas area or the surrounding counties including Fort Bend, Montgomery County, Galveston, Brazoria, and Austin Counties, call our office today at 713-772-8037 and tell us that you need an appointment. There is no charge for your first consultation with one of our attorneys. Visit http://jthomasblack.com for more information.

If your car or truck is about to be repossessed in Houston, Texas or surrounding counties by the finance company or by a title loan lender, it is not too late to stop it. If you qualify, filing chapter 13 bankruptcy causes an "automatic stay" to go into effect, which immediately stops all pending repossessions, foreclosures, and other collection actions against you and your property.   Then we set up an affordable plan that combines all of your bills into one monthly payment (which is usually payroll-deducted). Even if your vehicle has already been repossessed, it is possible to have it returned, so long as it has not been sold.   If you live in the Houston, Texas area or the surrounding counties, call our office today at 713-772-8037 and tell us that you need an urgent appointment. There is no charge for your first consultation with one of our attorneys. Visit http://jthomasblack.com for more information.  We are a debt relief agency and we help people file bankruptcy. Is your car or truck up for repossession in Houston? Chapter 13 may allow you to stop it!

If your car or truck is about to be repossessed in Houston, Texas or surrounding counties by the finance company or by a title loan lender, it is not too late to stop it. If you qualify, filing chapter 13 bankruptcy causes an "automatic stay" to go into effect, which immediately stops all pending repossessions, foreclosures, and other collection actions against you and your property. Then we set up an affordable plan that combines all of your bills into one monthly payment (which is usually payroll-deducted). Even if your vehicle has already been repossessed, it is possible to have it returned, so long as it has not been sold. If you live in the Houston, Texas area or the surrounding counties, call our office today at 713-772-8037 and tell us that you need an urgent appointment. There is no charge for your first consultation with one of our attorneys. Visit http://jthomasblack.com for more information. We are a debt relief agency and we help people file bankruptcy.

If your home is up for foreclosure by your mortgage company, your home equity lender, or if you are about to be foreclosed on for property taxes or homeowner association dues, don't delay.   Filing chapter 13 bankruptcy in Houston Texas can help you stop the foreclosure, and catch up the delinquent payments, taxes, or HOA dues over up to a 5 year period of time, if you qualify.   We are a debt relief agency and we help people file bankruptcy. Visit our website at http://jthomasblack.com to make an appointment and for free publications. My Houston Texas home Is posted for foreclosure! Can I stop foreclosure by filing bankruptcy?

If your home is up for foreclosure by your mortgage company, your home equity lender, or if you are about to be foreclosed on for property taxes or homeowner association dues, don't delay. Filing chapter 13 bankruptcy in Houston Texas can help you stop the foreclosure, and catch up the delinquent payments, taxes, or HOA dues over up to a 5 year period of time, if you qualify. We are a debt relief agency and we help people file bankruptcy. Visit our website at http://jthomasblack.com to make an appointment and for free publications.

Payday loans are a big problem for many of our clients. Many people come into our Houston law office and have payday loans. For some, it is just out of control. If you cannot pay your payday loans, it is possible to discharge or cancel the loans in a bankruptcy case.   For more information, visit our website at http://jthomasblack.com. We are a debt relief agency and we help people file bankruptcy. Can Payday Loans Be Discharged If I File Chapter 7 or Chapter 13 Bankruptcy?

Payday loans are a big problem for many of our clients. Many people come into our Houston law office and have payday loans. For some, it is just out of control. If you cannot pay your payday loans, it is possible to discharge or cancel the loans in a bankruptcy case. For more information, visit our website at http://jthomasblack.com. We are a debt relief agency and we help people file bankruptcy.

Generally speaking, if you live in Texas, your wages cannot be garnished for credit card or most other unsecured debts, with certain exceptions. This video will give you a general understanding of that. But if you are in debt trouble, you should come see us in our Houston law office and discuss your alternatives. Once the money goes in the bank however, it is not safe and can be garnished.   We are a debt relief agency and we help people file bankruptcy. Visit our website at http://jthomasblack.com. Can My Wages be garnished in Texas if I have a lawsuit or judgment against me?

Generally speaking, if you live in Texas, your wages cannot be garnished for credit card or most other unsecured debts, with certain exceptions. This video will give you a general understanding of that. But if you are in debt trouble, you should come see us in our Houston law office and discuss your alternatives. Once the money goes in the bank however, it is not safe and can be garnished. We are a debt relief agency and we help people file bankruptcy. Visit our website at http://jthomasblack.com.

Welcome to our Houston Texas Bankruptcy Law Office Welcome to our Houston Texas Bankruptcy Law Office!

Welcome to our Houston Texas Bankruptcy Law Office

Legal Answers
29 Questions Answered

Q. If I am in a Chapter 13 bankruptcy, filed in April of 2016, will I be able to keep my Covid-19 stimulus check?
A: The law does not explicitly say that the stimulus payments are exempt, but it is believed by some that was an oversight and will be corrected in a subsequent bill. The stimulus payments are NOT to be considered in computing disposable income in chapter 13 cases, for one thing. In a seminar put on by some bankruptcy judges in Houston, Texas they concurred that they would not object to debtors spending the money for living expenses if needed, as that is what the payments were designed for.
Q. My husband and I have our finances separate. We file jointly for taxes. Can I file individual bankruptcy.
A: You can file bankruptcy without your husband, whether you file taxes jointly or separately. However, if your debts are primarily consumer debts, and you are married and living together, his income is counted in the "means test" that determines if you qualify for chapter 7 or the minimum plan payment amount if you file for chapter 13. Consult an experienced bankruptcy lawyer in your area.
Q. My 90 year old mother is a co-signer on my mortgage. How to take her off? Discovered tax lien her name.
A: You should consult a tax resolution professional. Attorneys, CPA's and Enrolled Agents (EA's) are authorized to represent individuals before the IRS. But all of them do not practice in that area. You want someone that regularly handles IRS tax collection issues like this. If there is already a notice of federal tax lien filed, it is likely too late to have your mom effectively transfer her interest in the house to you. It would still be subject to the tax lien, and you still wouldn't be able to sell or mortgage it without paying the lien.
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Contact & Map
2600 S Gessner Rd
Suite 110
Houston, TX 77063
Telephone: (713) 772-8037
1322 Space Park Drive
B149
Houston, TX 77058
Toll-Free: (877) 597-9358
Telephone: (713) 772-8037