Borowitz & Clark, LLP

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Borowitz & Clark, LLP Skip the traffic and time away from work. Borowitz & Clark offers the convenience of virtual consults We specialize in Chapter 7 and Chapter 13 Bankruptcy Cases.

One of the most referred bankruptcy firms in Southern California.

We’ve learned that over decades of conversations.Behind the debt may be a business someone built from nothing.A home a f...
10/20/2026

We’ve learned that over decades of conversations.

Behind the debt may be a business someone built from nothing.

A home a family doesn’t want to lose.

A retirement someone spent 30 years preparing for.

A medical event nobody planned for.

A marriage under pressure.

A future that suddenly feels uncertain.

That’s why we don’t believe the most important number is always the one on the statement.

Sometimes, the more important question is:

What are you trying to protect?

That’s where a meaningful legal conversation begins.

📞 877-439-9717
Free consultation · borowitzclark.com

Most creditor lawsuits follow the same pattern. A summons arrives. It gets set aside opened later, or not opened at all....
10/16/2026

Most creditor lawsuits follow the same pattern. A summons arrives. It gets set aside opened later, or not opened at all. The response window passes. A default judgment gets entered.

Once that happens, the creditor can pursue wage garnishment or a bank levy without another court date. The window to fight it, or even just negotiate it, has already closed.

The mistake isn't being sued. Plenty of good, responsible people end up there. The mistake is treating the paperwork like something that can be dealt with later.

If you've received a summons even one you've had for weeks there's usually still time to act. But that window narrows by the day.

📞 877-439-9717
Free consultation · borowitzclark.com

[ CreditorLawsuit, DefaultJudgment, WageGarnishment, KnowYourRights, DebtLawsuit, LegalDeadline, BankruptcyLaw, DebtRelief, LosAngeles, California, BarryBorowitz, ErikClark, BorowitzAndClark ]

"I knew I came to the right place when I first sat in Mr. Erik Clark's office for my free consultation. His professional...
10/13/2026

"I knew I came to the right place when I first sat in Mr. Erik Clark's office for my free consultation. His professionalism and expertise in the area of bankruptcy inspired confidence that I was making the right decision. I finally could see the light at the end of a very long and dark tunnel." — Joanne D.

Debt can feel like a tunnel with no end in sight. Our job is to help you find the light, and walk with you every step of the way to a fresh start.

Ready for your own new beginning? Reach out today.

📞 877-439-9717
🌐 borowitzclark.com

[BankruptcyLawyer] [BorowitzAndClark] [ClientTestimonial] [Chapter7Bankruptcy] [DebtRelief] [DebtFreedom] [BankruptcyAttorney] [FinancialFreshStart] [ClientReview] [LegalSupport] [HappyClients]

Medical debt looks different from every other kind.Nobody budgeted for it. Nobody chose it. It arrived during one of the...
10/10/2026

Medical debt looks different from every other kind.

Nobody budgeted for it. Nobody chose it. It arrived during one of the hardest weeks of someone's life, and it kept arriving in envelopes, month after month long after the medical crisis itself had passed.

Research from KFF has found that people carrying medical debt frequently delay other major life decisions because of it: buying a home, saving for their kids' education, even seeking further medical care when they need it.

There's no shame in medical debt. It's one of the most common reasons people come to us, and one of the clearest cases where the debt reflects circumstance not decisions.

If medical bills are the thing quietly running your finances, let's talk about what your options actually look like.

📞 877-439-9717
Free consultation · borowitzclark.com

[ MedicalDebt, HealthcareDebt, KFFResearch, UnexpectedDebt, NoShame, DebtRelief, FreshStart, BankruptcyLaw, LosAngeles, California, BarryBorowitz, ErikClark, BorowitzAndClark ]

Seen the video saying debt collectors now owe you $1,000 if they call after you send a cease and desist letter?The law b...
10/06/2026

Seen the video saying debt collectors now owe you $1,000 if they call after you send a cease and desist letter?

The law behind it is real, and it dates to 1977. A written letter can stop most calls from a third-party collector, and if they keep calling you may have a claim. The $1,000 has to come from a lawsuit, though, and the debt stays on your credit report.

The letter also won't stop a collector from suing you. Filing bankruptcy puts an automatic stay in place that halts most collection activity, including lawsuits and wage garnishment, from the day your case is filed.

Want to know which option fits your situation? Call Borowitz & Clark at 877-439-9717 to set up a consultation, or visit borowitzclark.com.

Most small business owners sign a personal guarantee at some point for a line of credit, equipment financing, a lease. A...
10/03/2026

Most small business owners sign a personal guarantee at some point for a line of credit, equipment financing, a lease. At the time, it felt like a formality. A box to check to get the business moving.

Years later, if the business struggles, that guarantee is what turns a business debt into a personal one. Home equity, personal savings, even a spouse's income can suddenly be part of the conversation.

We've worked with business owners who did everything right reinvested in growth, made payroll even in hard months, tried every option before closing the doors. The debt that followed wasn't a reflection of poor decisions. It was the cost of trying.

There are options built specifically for this situation, separate from what applies to purely personal debt.

📞 877-439-9717
Free consultation · borowitzclark.com

[ SmallBusinessDebt, PersonalGuarantee, BusinessBankruptcy, EntrepreneurSupport, DebtRelief, BusinessOwner, Chapter7, BankruptcyLaw, LosAngeles, California, BarryBorowitz, ErikClark, BorowitzAndClark ]

This surprises a lot of people going through divorce.A settlement can clearly state that one spouse is responsible for a...
09/29/2026

This surprises a lot of people going through divorce.

A settlement can clearly state that one spouse is responsible for a credit card, a car loan, or a line of credit. But if both names are on the original account, the creditor isn't bound by that agreement they were never part of it. If the responsible ex-spouse stops paying, the creditor can still come after the other name on the account.

It's one of the most common financial blind spots we see post-divorce. Someone believes a chapter has closed, only to find collection calls still coming months or years later.

If you're navigating shared debt after a divorce whether the settlement is final or still being worked out — it's worth understanding exactly what protection you do and don't have.

📞 877-439-9717
Free consultation · borowitzclark.com

[ DivorceDebt, JointAccounts, SharedDebt, CreditorRights, DebtAfterDivorce, KnowYourRights, DebtRelief, BankruptcyLaw, LosAngeles, California, BarryBorowitz, ErikClark, BorowitzAndClark ]

Payday loans are built around a very specific kind of emergency the two weeks before payday, when something unexpected c...
09/26/2026

Payday loans are built around a very specific kind of emergency the two weeks before payday, when something unexpected comes up and there's no cushion left.

The problem isn't the first loan. It's what happens next. With annual interest rates that can climb into the triple digits, many borrowers end up renewing the loan rather than paying it off covering the fee, but never touching the principal. One loan becomes three. Three becomes an ongoing cycle that's almost impossible to outrun on a regular paycheck.

This isn't a story about bad decisions. It's what the product is designed to do.

If payday loans have become a recurring part of your monthly budget, there are legal ways to break that cycle — permanently, not just for one pay period.

📞 877-439-9717
Free consultation · borowitzclark.com

[ PaydayLoans, LoanCycle, HighInterestDebt, DebtTrap, BreakTheCycle, DebtRelief, FinancialFreedom, BankruptcyLaw, LosAngeles, California, BarryBorowitz, ErikClark, BorowitzAndClark ]

"Everything was explained to me. They are very professional and understood what I was going through and what needed to b...
09/23/2026

"Everything was explained to me. They are very professional and understood what I was going through and what needed to be done. Thank you Borowitz & Clark." — Luisa C.

This is exactly why we do what we do. Facing debt is overwhelming, but you don't have to face it alone. Clear guidance, real understanding, and support through every step of your bankruptcy case.

Ready to get the same kind of care? Reach out today.

📞 877-439-9717
🌐 borowitzclark.com

[BankruptcyLawyer] [BorowitzAndClark] [ClientTestimonial] [DebtRelief] [Chapter7Bankruptcy] [Chapter13Bankruptcy] [DebtFreedom] [BankruptcyAttorney] [FinancialFreshStart] [ClientReview] [LegalSupport] [HappyClients]

When someone calls us about foreclosure, the conversation is rarely about the property itself.It's about the kitchen whe...
09/20/2026

When someone calls us about foreclosure, the conversation is rarely about the property itself.

It's about the kitchen where their kids do homework every night.
The neighborhood where they know every family on the street.
The school district they chose carefully, years ago.
The one stable thing that stayed standing while everything else got harder.

A house is an asset. A home is a life.

And that's what people are actually fighting for when they walk through our doors not square footage, but the years of routine, memory, and belonging built inside it.

The law understands this too. Chapter 13 exists precisely so that one difficult financial season doesn't have to cost a family the life they've spent years building. Foreclosure can be stopped. Missed payments can be restructured. The life around the house can stay intact.

If you're behind on your mortgage and the pressure is building the worst thing you can do is wait until the options run out.

One conversation. That's where it starts.

📞 877-439-9717
Free consultation · 100% virtual available · borowitzclark.com

[ SaveMyHome, ForeclosureHelp, Chapter13, HomeIsMoreThanAHouse, FamilyFirst, MortgageHelp, StopForeclosure, DebtRelief, HomeProtection, BankruptcyLaw, LosAngeles, California, BarryBorowitz, ErikClark, BorowitzAndClark ]

Address

100 N Barranca Street, Suite 700, #26
West Covina, CA
91791

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+16263328600

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