Mr. J. Thomas Black
Law Office of J. Thomas Black, P.C.
About Mr. J. Thomas BlackJ. 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, an associate attorney, three 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, and 2009. 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.
Directory Practice Areas
- Consumer Law
- 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
|Board Certified- Consumer Bankruptcy (Texas Board Of Legal Specialization)|
|Attorney, Law Office of J. Thomas Black, P.C.|
|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.|
|South Texas College of Law||J.D.||Law|
|Indiana University - Indiana University-Bloomington||B.A.||Liberal Arts|
|Pro Bono LegalLine Volunteer||Houston Bar Association||2013-2013|
|Reasons for Debtors To File Chapter 13 vs. Chapter 7||Houston Volunteer Lawyer's Program||2013-2013|
|Veterans and Bankruptcy||Military Heros Radio Show||2012-2012|
|The Nuts & Bolts of Chapter 7 Bankruptcy||HVLP Monthly CLE Seminar||2012-2012|
|The Intersection of Bankruptcy and the IRS||2nd Annual Bankruptcy Paralegal Seminar||2011-2011|
|ABC's of Bankruptcy||HVLP Monthly CLE Seminar||2011-2011|
|Discharging IRS Taxes Through Bankruptcy||Accounting Firm Lunch and Learn||2008-2008|
|Bankruptcy||AIDS Unit Volunteer Attorney Seminar||2005-2005|
|Attorney Fees In Chapter 13||NACBA 11th Annual Convention||2003-2003|
|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|
|Secretary Treasurer, Houston Association of Consumer Bankruptcy Attorneys|
|Member, National Association of Consumer Bankruptcy Attorneys|
|Currently licensed as Texas Attorney, State Bar of Texas|
|Welcome to our Houston Texas Bankruptcy Law Office!|
Welcome to our Houston Texas Bankruptcy Law Office
Houston Bankruptcy Lawyer J. Thomas Black is Board Certified in Consumer Bankruptcy Law by the ...Houston Bankruptcy Lawyer J. Thomas Black is Board Certified in Consumer Bankruptcy Law by the Texas Board of Legal Specialization. Our firm can help you get control of your debts, and get your life back. We are a Debt Relief Agency and we help people file bankruptcy. Order publications at http://www.jthomasblack.com. Hide
- Overall: 323rd
- Overall: 3 Answers
Q. When in the process of converting a variable home loan to a fixed rate do we have the legal right to know end investor
A: Yes. The federal Truth In Lending Act (TILA) was amended in the recent past to provide that borrowers can request the name of the investor on their loan from their mortgage servicer, and the servicer must provide it. Otherwise, the borrower can recover any actual damages, statutory damages, costs and fees. For a good article about this subject go to http://www.creditslips.org/creditslips/2010/04/how-to-find-the-owner.html.
Q. After filing chapter 13 we have a balance on hand. what is a balance on hand mean?
A: I'm not 100% what you are referring to, but if you are referring to your chapter 13 trustee having a balance on hand, that is not unusual. Your chapter 13 trustee cannot make distributions to your creditors, unless and until the Bankruptcy Court approves the plan, or the Trustee is required by local rule to make "adequate protection" payments. If you complete your plan, and the trustee has additional funds on hand that are not necessary to fund the plan, that money will be refunded to you. That is one reason why it is very important for you to keep your correct address on file with your trustee's office.
Q. How much does it cost to file for chapter 7 bankruptcy?
A: There is a $306 filing fee currently charged by the U.S. District Clerk to file a Chapter 7 case. If you are very low income and have no assets, it's possible to ask the court to waive that amount or let you pay it in installments. There may also be a small fee for the required credit briefing and debtor education. Your attorney may also need to be reimbursed for the cost of a detailed credit report on you, to be sure that all your creditors and collection accounts are listed, to the greatest extent possible. As to attorney fees, it varies due to the complexity of your case, what lawyer you hire, whether you are in a small town or a big city, and other factors. My firm currently charges around $1500 plus costs for a simple consumer Chapter 7 case, and we offer payment plans. It's fine to check around with different attorneys as to what they charge, but be forewarned that it can be a mistake to "shop" for an attorney based only on price. To avoid potential problems, be prepared to pay a reasonable fee and hire an experienced lawyer. Ideally, hire one that is Board-Certified by the Texas Board of Legal Specialization, as I have been in Consumer Bankruptcy Law since 1989.
Articles & Publications
How To Deal With Texas Debt Collection Lawsuits
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
WEBSITES & BLOGS
Blog: Houston Bankruptcy Lawyer
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