Last Updated: November 21, 2025
Effective Date: January 1, 2025
1. Agreement to Terms
PLEASE READ THE FOLLOWING TERMS OF SERVICES & LEGAL NOTICES (“THIS AGREEMENT”) CAREFULLY BEFORE USING THE BOROWITZ & CLARK WEBSITE.
These terms explain your (and our) rights under this Agreement and make certain disclosures required by the law. By using the Site, you give your assent to the terms of this Agreement. If you do not agree to these terms, you may not use the Site.
Borowitz & Clark has the right, in our sole discretion, to modify, add, or remove any terms or conditions of this Agreement without giving individual notice to you, by posting the changes on the Site. Your continuing use of the Site signifies your acceptance of any such changes.
2. No Attorney-Client Relationship & Legal Disclaimer
Not Legal Advice: This website and information contained therein is not intended as, and does not constitute, either legal advice or a solicitation of any particular prospective client. Although this site provides valuable information in its books, blogs, and forums, you must understand that this is not legal advice.
No Relationship Formed: An attorney/client relationship with this entity cannot be formed by reading or responding to this information page. Moreover, reading this content will not establish an attorney-client relationship between you and Borowitz & Clark, LLP or any of its attorneys.
Hiring Us: The only way that Borowitz & Clark, LLP or its attorneys can give you legal advice is if you hire them. To hire them, you must sign a written agreement, called a retainer agreement, which sets forth the terms of representation and the details of the attorney-client relationship, including the cost. Only after you have signed a retainer agreement will they be able to give you legal advice.
3. Website Content & External Links
The outcomes of select cases are described in different portions of this site. However, prior results do not guarantee a similar outcome.
Additionally, certain links provided on this site will launch internet sites that are not under the control of Borowitz & Clark, LLP. This site provides these outside links solely as a convenience to its users. Such links are not an endorsement of a particular site or any of the contents, products, or services contained or offered in such sites.
Debt Relief Agency: Borowitz & Clark, LLP is a debt relief agency created to help people file for bankruptcy protection. The attorney responsible for the content of this website is M. Erik Clark.
4. Messaging Terms & Conditions
This SMS message program is a service of Borowitz & Clark. By providing your cell phone number, you agree to receive recurring automated promotional and personalized marketing text messages (e.g., SMS/MMS cart reminders, sale notices, etc.) from Borowitz & Clark.
Consent & Frequency
You give Borowitz & Clark permission to send text messages to the enrolled cell phone number through your wireless phone carrier, unless and until you end permission per these Terms & Conditions. Consent to receive automated marketing text messages is not a condition of any purchase. Message & data rates may apply. Message frequency may vary.
Cancellation
You may cancel the SMS service at any time. Text the keyword STOP, STOPALL, END, CANCEL, UNSUBSCRIBE or QUIT to the telephone number, long code, or short code that sends you our initial confirmation message to cancel. You may also revoke consent by any other reasonable means. After you send the SMS message to us to cancel, we will send you one additional message confirming that your request has been processed. If you change your preferences, it may take up to 48 hours for it to take effect.
Help or Support
Text the keyword HELP to the telephone number, long code, or short code that sends you our initial confirmation message to receive a text with information on how to unsubscribe.
No Warranty
TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW, YOU ACKNOWLEDGE AND AGREE THAT THE MESSAGING PROGRAM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.
Limitation of Liability
TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW, YOU AGREE THAT IN NO EVENT SHALL EITHER OF BOROWITZ & CLARK OR ANY PARTY ACTING ON BEHALF OF BOROWITZ & CLARK BE LIABLE FOR: (A) ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES OR COSTS IN AN AGGREGATE AMOUNT EXCEEDING THE GREATER OF THE AMOUNT YOU PAID TO BOROWITZ & CLARK HEREUNDER OR $100.00; OR (B) ANY DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, PUNITIVE OR ANY OTHER DAMAGES.
YOU AGREE EVEN IF BOROWITZ & CLARK HAS BEEN TOLD OF POSSIBLE DAMAGE OR LOSS ARISING OR RESULTING FROM OR IN ANY WAY RELATING TO YOUR USE OF THE BOROWITZ & CLARK MESSAGING PROGRAM. BOROWITZ & CLARK AND ITS REPRESENTATIVES ARE NOT LIABLE FOR THE ACTS OR OMISSIONS OF THIRD PARTIES, INCLUDING BUT NOT LIMITED TO DELAYS OR NON-DELIVERY IN THE TRANSMISSION OF MESSAGES.
Indemnity
To the maximum extent allowed by applicable law, you agree to indemnify, defend and hold harmless Borowitz & Clark, its directors, officers, employees, servants, agents, representatives, independent contractors and affiliates from and against any and all claims, damages, liabilities, actions, causes of action, costs, expenses, including reasonable attorneys’ fees, judgments or penalties of any kind or nature arising from or in relation to these Messaging Terms or your receipt of text messages from Borowitz & Clark or its service providers.
5. Dispute Resolution
General: Any dispute or claim arising out of or in any way related to these Messaging Terms or your receipt of text messages from Borowitz & Clark or its service providers whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of when a dispute or claim arises will be resolved by binding arbitration.
Waiver: YOU UNDERSTAND AND AGREE THAT, BY AGREEING TO THESE MESSAGING TERMS, YOU AND BOROWITZ & CLARK ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION AND THAT THESE MESSAGING TERMS SHALL BE SUBJECT TO AND GOVERNED BY ARBITRATION.
Exceptions: Notwithstanding the above, nothing in these Messaging Terms will be deemed to waive, preclude, or otherwise limit the right of you or Borowitz & Clark to: (i) bring an individual action in small claims court; (ii) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (iii) seek injunctive relief in aid of arbitration from a court of competent jurisdiction; or (iv) file suit in a court of law to address an intellectual property infringement claim.
Arbitrator: Any arbitration between you and Borowitz & Clark will be governed by the JAMS, under the Optional Expedited Arbitration Procedures then in effect for JAMS. JAMS may be contacted at www.jamsadr.com.
No Class Actions: YOU AND BOROWITZ & CLARK AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
6. Contact Information
Please contact us with any inquiries or concerns at hct.borowitzclark@gmail.com or write to us at:
Borowitz & Clark, LLP
100 North Barranca, Suite 700, # 26
West Covina, CA 91791