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Do you want to be debt free?

If you’re considering bankruptcy, you’ve probably grown tired of the phone calls from collectors, the threats of lawsuits, and the struggle to pay off your debt. Bankruptcy is a way to start over. It’s a way to reorganize your finances and start out with a clean slate – no more debt, no more trouble with creditors. The idea of bankruptcy may be frightening, but it exists to help you deal with debt, not to punish you for having it.

There are two main types of consumer bankruptcy: Chapter 7 and Chapter 13. Both types come with the protection of the automatic stay, which protects you from creditors during your bankruptcy process. The automatic stay stops all collection actions, repossessions, and foreclosures for the duration of your bankruptcy case.


Chapter 13 Bankruptcy

Under Chapter 13 bankruptcy, with the help of your attorney, you’ll work with the local bankruptcy trustee and your creditors to create a payment plan that you can handle. You’ll be able to keep enough for your living expenses and to make payments on your secured debts such as your home mortgage and auto loan. You’ll pay your leftovers to your unsecured creditors. After three to five years, your remaining debts will be “discharged,” or forgiven, and you’ll be debt-free. Many chapter 13 debtors end up paying pennies on the dollar for their unsecured debts.


Chapter 7 Bankruptcy

Chapter 7 bankruptcy, or “liquidation” bankruptcy, is the other common choice for consumers. Only consumers who truly need the protection of Chapter 7 qualify; those with the means to maintain a Chapter 13 plan must file under Chapter 13. Under Chapter 7, you’ll surrender non-exempt property to the bankruptcy trustee, who will sell that property and use the proceeds to pay your unsecured creditors. When all of your non-exempt property has been sold, the remainder of your debt will be discharged. California offers extensive exemptions, so you’ll likely be able to keep all of your important assets, including your car and your home.

Either type of bankruptcy will give you the chance to start over. When your debts are discharged, creditors no longer have a claim against you. The debts simply don’t exist anymore. No more collection calls, no more threats of property seizure or wage garnishment. You can rebuild your financial health from scratch.


About Borowitz & Clark, LLP

Erik Clark

Borowitz & Clark, LLP is a leading consumer law firm in California with offices in West Covina, Ontario, Palmdale, Norwalk, Torrance, and Glendale. Led by two of the most experienced bankruptcy lawyers in southern California, Barry Borowitz and Erik Clark, we are ready to help you through your financial difficulties. Our lawyers and staff will give your case the personal attention necessary to determine what course of action is best for your goals. We’ve handled thousands of bankruptcy cases, so we know the process inside and out. We’ll work with you to make sure you understand your options and the bankruptcy process itself and we’ll fight to make sure you get the most out of your bankruptcy.


Second Annual Borowitz & Clark Law School Scholarship

Borowitz & Clark is committed to helping Los Angeles get out of debt. We’re also committed to education.  We believe that education is the key to a happy, successful future. To that end, we’re proud to offer a scholarship of $2,500 to a law student who plans to practice in the fields of bankruptcy or consumer law. To be eligible, applicants must maintain at least a 3.3 GPA at an accredited law school, and be able to demonstrate an interest in bankruptcy or consumer law. All submissions must be received no later than November 15th. The winner will be announced on January 15th. To apply, please send an application letter detailing course of study, and law school transcripts to