Borowitz & Clark - West Covina, CA

Dedicated Bankruptcy and Debt Relief Advocacy in West Covina

Facing overwhelming credit card bills, medical expenses, or impending foreclosure can create enormous emotional and financial stress. For over two decades, the law firm of Borowitz & Clark has stood as a beacon of hope for individuals and families in the San Gabriel Valley and across Southern California. Headquartered in West Covina, the firm is spearheaded by seasoned partners Barry Borowitz and M. Erik Clark, who are among the select group of attorneys board certified in consumer bankruptcy law by the American Board of Certification. Whether you are battling relentless collection calls or need to find an attorney to prevent an immediate wage garnishment, Borowitz & Clark brings decades of recognized courtroom proficiency and empathetic counsel to every client's situation.

Chapter 7 Bankruptcy for a Clean Financial Slate

Chapter 7 bankruptcy is designed for consumers who do not have the financial means to repay qualifying unsecured liabilities. Under California bankruptcy exemptions, most filers can eliminate debts while safeguarding essential property, such as vehicles, household furnishings, retirement accounts, and personal belongings. The firm guides debtors through each phase of the process:

• Applying the California means test to determine Chapter 7 qualification accurately.
• Triggering the immediate automatic stay to halt wage garnishments, lawsuits, and creditor harassment.
• Eliminating unsecured obligations such as credit cards, medical bills, and personal loans.
• Protecting personal assets and ensuring all required filings comply with federal court mandates.

Chapter 13 Bankruptcy and Foreclosure Prevention

For wage earners who possess valuable non-exempt assets or who face impending home foreclosure, Chapter 13 bankruptcy offers an orderly court-supervised restructuring plan spanning three to five years. Through this reorganization, debtors can cure mortgage arrears, resolve delinquent taxes, and lower monthly obligations without losing real estate:

• Halting home foreclosure sales and sheriff auctions immediately upon case filing.
• Consolidating debt into a single, manageable monthly installment based on current disposable income.
• Preventing vehicle repossessions and restructuring car loan balances when eligible under bankruptcy guidelines.
• Discharging leftover unsecured debt balances at the successful conclusion of the repayment schedule.

Halting Creditor Harassment and Enforcing Consumer Rights

Debt collectors often push the boundaries of legality when attempting to collect unpaid balances. When you hire an attorney from Borowitz & Clark, a formal wall of legal protection is erected between you and aggressive collectors. The firm actively protects debtors from unlawful harassment under the Fair Debt Collection Practices Act and ensures that creditors strictly respect the bankruptcy court's automatic stay.

Decades of Respected Educational Leadership and Trial Experience

Beyond representing individual debtors, the partners at Borowitz & Clark have served as adjunct bankruptcy law professors at Loyola Law School, training future generations of attorneys and authoring insightful legal resources. This deep academic background and vast practical experience mean clients receive advice grounded in cutting-edge statutory knowledge and established local court procedures.

Schedule a Free Debt Relief Evaluation in West Covina Today

Struggling with serious financial hardship is daunting, but you do not have to confront collectors alone. If you need a lawyer urgently to protect your paycheck, save your family home, or wipe out credit card balances, contact the West Covina office of Borowitz & Clark. Complimentary, confidential consultations are available in person or through convenient virtual appointments, allowing you to discover the fastest path to long-term financial stability.