Our attorneys and staff treat each case with the compassion and dignity that each of our clients expect and deserve. Borowitz & Clark have represented over 40,000 people through the bankruptcy process, and our partners have gained national recognition for their work helping Californians rebuild their financial lives. We offer solutions both inside and outside of bankruptcy.
Let us use our knowledge to help you deal with your debt. Meet with one of our experienced attorneys for a free in-depth consultation to analyze your individual circumstances and discuss available solutions. Bankruptcy is one of the the most misunderstood topics in America today. We publish a law blog to help inform our clients in the Los Angeles area of their options.
Below, we have assembled blogs that address some of the most common questions we receive about bankruptcy and debt in California. If you're struggling with debt, check out our blog for more information on a wide range of debt topics. Learn whether you're judgment proof and how that affects your debt.
Let us use our knowledge to help you deal with your debt. Meet with one of our experienced attorneys for a free in-depth consultation to analyze your individual circumstances and discuss available solutions. Bankruptcy is one of the the most misunderstood topics in America today. We publish a law blog to help inform our clients in the Los Angeles area of their options.
Below, we have assembled blogs that address some of the most common questions we receive about bankruptcy and debt in California. If you're struggling with debt, check out our blog for more information on a wide range of debt topics. Learn whether you're judgment proof and how that affects your debt.
Services
Borowitz & Clark, LLP is a leading consumer bankruptcy firm that uses its board-certified consumer bankruptcy specialists to bring debt relief results to those who need it most.
Our attorneys have represented over 40,000 people through the bankruptcy process with that number growing each and every day.
Our partners have gained national recognition for their work helping Californians to rebuild their financial lives.
We are headquartered in West Covina, California, but we have a total of six offices spread throughout Southern California for your convenience.
Our attorneys have represented over 40,000 people through the bankruptcy process with that number growing each and every day.
Our partners have gained national recognition for their work helping Californians to rebuild their financial lives.
We are headquartered in West Covina, California, but we have a total of six offices spread throughout Southern California for your convenience.
Barry Edward Borowitz is the founding partner of Borowitz & Clark, LLP, a leading bankruptcy law firm that represents clients petitioning for bankruptcy protection under Chapter 7 and Chapter 13 of the bankruptcy code.
Mr. Borowitz has been practicing bankruptcy law exclusively for more than 15 years.
He has offices located in West Covina, Ontario, Palmdale, Norwalk, and Torrance.
Mr. Borowitz has successfully represented thousands of individuals in Chapter 7 and Chapter 13 cases helping them overcome their financial hardships.
Mr. Borowitz has been practicing bankruptcy law exclusively for more than 15 years.
He has offices located in West Covina, Ontario, Palmdale, Norwalk, and Torrance.
Mr. Borowitz has successfully represented thousands of individuals in Chapter 7 and Chapter 13 cases helping them overcome their financial hardships.
Filing bankruptcy is the only way to get immediate help.
By filing for bankruptcy protection you will invoke the all powerful "automatic stay" which will accomplish everything listed above and allow you time to regain control of your financial future.
Contact us online or call 877-439-9717 to set up a FREE initial debt consultation with one of our experienced bankruptcy attorneys.
By filing for bankruptcy protection you will invoke the all powerful "automatic stay" which will accomplish everything listed above and allow you time to regain control of your financial future.
Contact us online or call 877-439-9717 to set up a FREE initial debt consultation with one of our experienced bankruptcy attorneys.
Myth #1 Filing chapter 7 bankruptcy means you will lose all your property.
Fact - Only non-exempt property is surrendered in Chapter 7. Most debtors are completely protected by California's exemptions and don't have any non-exempt property.
That means most debtors don't give anything up.
Myth #2 If you file for bankruptcy it will ruin your credit rating.
Fact - Filing for bankruptcy will affect your credit rating.
However, your credit rating is already affected every time you miss a payment.
Once you file for bankruptcy, you can wipe the slate clean and immediately start to rebuild your credit score.
Fact - Only non-exempt property is surrendered in Chapter 7. Most debtors are completely protected by California's exemptions and don't have any non-exempt property.
That means most debtors don't give anything up.
Myth #2 If you file for bankruptcy it will ruin your credit rating.
Fact - Filing for bankruptcy will affect your credit rating.
However, your credit rating is already affected every time you miss a payment.
Once you file for bankruptcy, you can wipe the slate clean and immediately start to rebuild your credit score.
Sometimes called a "wage earners" bankruptcy, chapter 13 bankruptcy is a way for debtors with regular income to reorganize their finances.
In Chapter 13 bankruptcy, you'll work with your creditors and the Bankruptcy Trustee to create a payment plan lasting 3 to 5 years.
At the end of the plan, your remaining unsecured debts will be discharged.
Most filers end up paying pennies on the dollar for their unsecured debts.
Chapter 13 bankruptcy addresses both secured and unsecured debts.
You may choose whether you want to continue making payments on your secured debts, such as mortgage and auto loans, or surrender the property.
In Chapter 13 bankruptcy, you'll work with your creditors and the Bankruptcy Trustee to create a payment plan lasting 3 to 5 years.
At the end of the plan, your remaining unsecured debts will be discharged.
Most filers end up paying pennies on the dollar for their unsecured debts.
Chapter 13 bankruptcy addresses both secured and unsecured debts.
You may choose whether you want to continue making payments on your secured debts, such as mortgage and auto loans, or surrender the property.
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