Los Angeles Bankruptcy Lawyers
Since 1998, the law firm of Borowitz & Clark has helped over 40,000 families in Los Angeles and Southern California get out of debt. Contact us today to discuss a brighter financial future. For your convenience we offer free 100% virtual consultations. Led by two attorneys who have both been Board Certified in Consumer Bankruptcy by the American Board of Certification.
4.9 stars from 500+ reviews on 
Our Bankruptcy Services
Chapter 7 Bankruptcy
We have years of experienced and have filed tens of thousands of Chapter 7 cases. We know the courts, the judges, and the creditors. We can help you protect your important property and wipe your financial slate clean. Get a fresh start today.
Chapter 13 Bankruptcy
We will help you decide how best to protect your most important assets and will stand up to creditors who threaten your rights. Under Chapter 13, you will pay most of your attorney’s fees through your plan, so you’ll have the benefit of an experienced bankruptcy lawyer without having to come up with an upfront payment.
Debt Negotiation
Attorneys at Borowitz & Clark have years of experience in helping clients deal with overwhelming debt. We’re not just bankruptcy attorneys – we’re legal financial experts!
Our partners have gained national recognition for their work in helping Californians rebuild their financial lives
How it Works
The Law Office of Borowitz & Clark
Step 1
Schedule a virtual consultation
Scheduling a consultation is easy; we can be reached via email, phone, or chat. All initial consultations are free of charge.
Step 2
Discuss your financial situation with an expert
During your consultation, you’ll speak with one of our expert attorneys, not a paralegal or call center.
Step 3
Review all of your financial options
We are bankruptcy attorneys, but bankruptcy isn’t the answer for everyone. We’ll explain every option you have available.
Step 4
Create a debt relief
plan
We’ll work together to put together a plan to get back on your feet. Our team will help with a budget, creditors, and more.
Meet Our Founding Bankruptcy Attorneys
There is nothing more stressful than finding yourself deep in debt. California law offers a number of debt relief solutions, but it’s important to engage experienced legal counsel to help navigate what can be a very complex process. Our founding partners have both been Board certified consumer bankruptcy specialists who have helped thousands of people through difficult times.
Barry Borowitz
Founding Partner, Borowitz& Clark, LLP
Mr. Borowitz is board certified in Consumer Bankruptcy by the American Board of Certification and has been practicing bankruptcy law exclusively for almost 30 years.
Erik Clark
Founding Partner, Borowitz& Clark, LLP
Mr. Clark has been Board Certified in Consumer Bankruptcy by the American Board of Certification for 19 years and a member of the State Bar in California, New York, and Connecticut.
Law Offices Serving Southern California
Our attorneys have extensive experience practicing in the Federal Bankruptcy Courts in the Central District of California, the District that encompasses Los Angeles, Orange, San Bernadino, Riverside, and Ventura counties. In fact, Borowitz & Clark attorneys were an instrumental part of the team that reworked the Chapter 13 Bankruptcy Plan form in 2017 to comply with the new national rules that went into effect on December 1, 2017.
California Bankruptcy Representation
Skip the traffic and time away from work. While we maintain traditional brick and mortar offices, Borowitz & Clark offers the convenience of virtual bankruptcy representation. Work with our firm from the comfort of your home.
One Of The Leading Bankruptcy Law Firms In The State of California
Our firm is proud to have received extensive awards and recognition. In addition to our Board Certification in bankruptcy law, we are proud members of the Law Firm Anti-Racism Alliance, have been named one of the Best Bankruptcy Law Firms in Los Angeles for 2021, have been named Super Lawyers, and are leaders in the National Association of Consumer Bankruptcy Attorneys (NACBA), among other bankruptcy specific organizations.
What Our Clients Say
“Thanks so much for all your help and assistance in getting us through our tough times. Your prompt response and eager to help has been of great value to us. We could not have asked for a better person to help us with our case.”
– Duc T., Los Angeles
“This law office exceeded my expectations! The support and competitive urgency by the staff is unmatched. They walked me thru the entire process. They made me feel good during an unpleasant time. Mr. Borowitz and Annette Gomez are amazing. I’m truly blessed to have had such great representation during my bankruptcy.”
– Omar P., Rowland Heights, CA
“You and the office staff have been incredible!! Can’t thank you enough for making a nightmare financial situation into a smooth do over and clean starts. Many many blessing to you, Erik, Carmen, Debra (Debbie) and everyone involved for calming our every melt down.”
– M & L, California
“If not for you guys, I have no idea where I would be, probably would have lost the house, car, just everything, you guys gave me my life back and I promise hands down I will never be in that situation again, thank you all so very much.”
– B.S. Van Nuys, CA
$750,000,000+ in debts discharged for our clients
We’ve helped over 40,000 families across Southern California find a financial fresh start.
Serving Southern California residents
Borowitz & Clark has been headquartered in West Covina, California for over 20 years.
Bankruptcy Law Professors at Loyola Law School 2010-18
We don’t only know bankruptcy law and debt relief; we’ve taught it too.
The Borowitz & Clark Difference
When you hire Borowitz & Clark, you aren’t just hiring attorneys; you are hiring board-certified bankruptcy specialists who taught bankruptcy law at Loyola Law School.
We Grade the Most Common Bankruptcy Myths: Pass or Fail?
Myth “I will lose everything I own, including my home and car.”
The Professor’s Correction: False
In California, the large majority of Chapter 7 filings are “no-asset” cases, meaning the filer keeps all of their property. We use California’s System 1 and System 2 exemptions to protect assets such as home equity, a vehicle, and retirement accounts, to the extent the exemptions allow. Whether any property is at risk depends on your specific assets, and we review that with you before anything is filed.
Myth “My credit score will be ruined forever.”
The Professor’s Correction: False
Your credit is likely already damaged by missed payments and high utilization. Bankruptcy stops the ongoing damage and gives you a defined starting point to rebuild. Many filers see meaningful improvement within 12 to 24 months after discharge, and some return to the 700 range, provided they follow a rebuilding plan. A Chapter 7 remains on your credit report for up to 10 years and a Chapter 13 for up to 7, but its effect on your score lessens over time. Results vary from person to person.
Myth “I make too much money to file for bankruptcy.”
The Professor’s Correction: It Depends
Many high-income earners believe they are disqualified by the Means Test. However, the test is complex and allows deductions for expenses such as mortgage payments and taxes, so a high income does not automatically rule out Chapter 7. If Chapter 7 is not available to you, Chapter 13 may allow you to repay your debts through a court-approved plan, which generally stops interest from accruing on unsecured debts. Chapter 13 has debt limits, so a small number of filers may need a different chapter.
Myth “Everyone will know I filed.”
The Professor’s Correction: False
Bankruptcy filings are public court records, so they can be found by anyone who searches the federal court system, but they are not announced or sent to anyone outside the case. In practice, the people who learn of a consumer filing are your creditors, any co-signers, the court and trustee, and the people you choose to tell. Employers are not routinely notified, though in some Chapter 13 cases plan payments are deducted from wages.
Myth “I can’t discharge tax debt.”
The Professor’s Correction: It Depends
This is a common misunderstanding. Some income tax debt can be discharged if it meets specific criteria, including that the tax came due at least three years before filing, the return was filed at least two years before filing, the tax was assessed at least 240 days before filing, and there was no fraud or evasion. Tax liens recorded before filing generally survive, and payroll and other trust-fund taxes are not dischargeable. We analyze your tax history to see whether any of your tax debt qualifies.
Frequently Asked Questions
Answers to the questions we hear most often from people considering bankruptcy in Los Angeles and Southern California.
What type of law does Borowitz & Clark specialize in?
Borowitz & Clark is a consumer bankruptcy law firm. We focus on helping individuals and families with debt relief, especially through Chapter 7 and Chapter 13 bankruptcy, as well as debt negotiation and other options.
How many people has the firm helped, and since when?
Since 1998, Borowitz & Clark has helped over 40,000 families in Southern California get out of debt.
Do I need to come to the office to get started, or can I consult virtually?
You can schedule a 100% virtual consultation. We offer remote consultations so you don’t need to come into the office to get started. If you prefer to meet in person, ask us about arranging an appointment at our West Covina location.
What is the process for working with Borowitz & Clark to get debt relief?
The process is laid out in four steps:
- Schedule a virtual consultation. Reach us by phone, email, or chat. Initial consultations are free.
- Discuss your financial situation with an expert attorney, not a paralegal or call center.
- Review all of your financial options. Bankruptcy may not be the only solution.
- Create a debt relief plan with the help of the firm.
What kinds of bankruptcy does the firm handle?
We handle both Chapter 7 and Chapter 13 consumer bankruptcy filings. Chapter 7 is a liquidation bankruptcy that often takes about three to four months from filing to discharge, though timing varies, and it primarily addresses unsecured debts. Chapter 13 reorganizes your debts into a three- to five-year court-approved repayment plan based on your income and expenses, which can help protect assets you want to keep.
Where is the firm located, and which areas do you serve?
Our main office is at 100 North Barranca, Suite 700 #26, West Covina, CA 91791. We serve clients throughout the Central District of California, which covers Los Angeles, Orange, San Bernardino, Riverside, and Ventura counties, and we offer fully virtual representation for clients anywhere in the district.
What if bankruptcy isn’t the right solution for me?
At your initial consultation, our attorneys will review all of your available financial options and help determine whether filing for bankruptcy is the right choice, or whether you may be better served by a different debt relief strategy. Contact us to get started.
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