Law Office of J. Thomas Black, P.C.

Law Office of J. Thomas Black, P.C.

We represent people in the Houston area and surrounding counties who are in debt trouble, including debt collection harassment, lawsuits, judgments, repossession, foreclosure, IRS problems, and student loan problems.

Firm Overview

Mr. Black graduated from South Texas College of Law in Houston in 1982, then he 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
Main Office
Main Office
2600 So. Gessner, Suite 110
Houston  TX  77063
  • 713-772-8037
  • 713-772-5058


Free Initial Consultation?
Services Offered For Fixed Fees?
Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; we commence consumer Chapter 13 cases for as little as the costs ($356) with the entire attorney fee paid through the plan (1st time filers, non-business case, with wage order).
Hourly Rates

Office Information

Office Hours
Monday through Thursday, 8:30 a.m. to 5:30 a.m.; Friday 8:30 a.m. to 4:00 p.m.; Saturday By Appointment
Office Manager
J. Thomas Black
Emergency After Hours
Languages Spoken
English, Spanish
The firm has handled thousands of bankruptcy cases in the Houston, Texas area (Southern District of Texas) since 1982. Our fees are reasonable. Chapter 13 cases can usually be commenced for a small down payment (non-business, with wage order).
Many people are in serious debt trouble today. While filing bankruptcy is not the right option for everyone, it is for some people and small businesses. We are a debt relief agency and among other services that we provide, we help people file bankruptcy.
Debt Settlement
Some people either don't qualify to file for bankruptcy, or they simply don't need to file bankruptcy, but they need to resolve some debts or lawsuits. We help clients in those situations resolve their debts through either litigation or settlement.
There are many services that advertise debt settlement services that are not operating legally in Texas, or frankly, just don't serve consumers well.

I have had many clients come in that have paid thousands of dollars to debt settlement companies with few or no debts being resolved. If you have the right kind of situation for debt settlement, we can help you resolve your debts, usually for far less than one of the services that you see advertise that takes a percentage of the savings.
Our firm has helped thousands of consumers in the Houston, Texas and surrounding areas save their homes from foreclosure, usually by filing chapter 13 bankruptcy for them. However, there are other options available, for the right situation.
There can be other options to deal with a foreclosure, depending upon your circumstances and the time left before any scheduled foreclosure sale. If you live in the Houston metro area, we offer a free first consultation with one of our attorneys to evaluate your situation. If another option is available to you to avoid foreclosure, we will discuss it with you including forbearance, short sale, loan modification or litigation.

How did your firm decide on the primary area of practice(s)?

I chose to specialize in consumer bankruptcy law in the early 1980's because of the great need. Consumer debt was at a high level at that time, and many people had gotten themselves in trouble with debt.

There are many reasons for people getting into insurmountable debt problems, including loss of job or overtime, divorce, illness, business failure, disability, or any other number of reasons.

Our firm specializes in consumer bankruptcy; we want to help ordinary people get a fresh financial start, as Congress intended when it wrote the Bankruptcy Code.

What experience or education distinguishes your lawyers from others?

J. Thomas Black as been practicing consumer bankruptcy law in Houston for over 30 years. He is well acquainted with the bankruptcy trustees, judges, creditor attorneys, and other personnel active in the bankruptcy community in Houston.

Additionally, Mr. Black is Board Certified by the Texas Board of Legal Specialization, and has been since 1989. He is active in the local bar associations, and attends far more continuing legal education each year than is required.

What distinguishes your law firm from others?

We believe in educating our clients about their rights, and the bankruptcy process. We want you to know what is going on with your case at all times. We make a great deal of information available to you, and we are available to answer questions. We encourage clients to use email when possible to communicate with us; it makes communication easier.

J. Thomas Black

Born 1954 Los Angeles CA; grew up in Southern Indiana and East Tennessee; graduated from South Texas College of Law in Houston and licensed as a Texas attorney in 1982, then started his own law 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 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. He 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.
  • Bar Number: 02373400
    Texas , 1982
  • So. Texas College of Law
    J.D. , 1982

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