Borowitz & Clark, LLP

🛑 Will I Lose My Home if I File for Bankruptcy? 🛑 One of the biggest fears people have about bankruptcy is losing their home. But here’s the good news: Filing for bankruptcy doesn’t automatically mean you’ll lose your home! 🏡 With bankruptcy protections like the homestead exemption, many people can keep their homes while getting the debt relief they need. These laws are designed to help, not hurt, and can protect your most valuable assets. At Borowitz & Clark, we specialize in guiding you through the bankruptcy process and explaining how you can keep what matters most. 💡 Let us help you find peace of mind and a fresh financial start. Contact us today for a free consultation! Borowitz & Clark ⚖️ A Modern Approach to Debt Relief 📲 877-439-9717 📍 West Covina, CA 💻 Virtual Consults #BankruptcyHelp #DebtRelief #KeepYourHome #HomesteadExemption

🔍 The Role of a Bankruptcy Lawyer: Your Guide Through Difficult Times Are you facing financial challenges and considering bankruptcy? It’s essential to understand how a bankruptcy lawyer can assist you during this critical time. A bankruptcy lawyer plays a vital role in helping you navigate the complexities of the bankruptcy process, including: 1. Personalized Guidance: We assess your unique situation and provide tailored advice on whether bankruptcy is the right choice for you. 2. Legal Expertise: Our team understands the intricacies of bankruptcy law, ensuring that you comply with all legal requirements and deadlines. 3. Protection of Your Assets: We work to protect your valuable assets and help you understand what you can keep throughout the bankruptcy process. 4. Debt Relief Strategies: A bankruptcy lawyer can explore all your options for debt relief, including the best type of bankruptcy for your needs. 5. Peace of Mind: With our support, you can focus on rebuilding your financial future while we handle the legal complexities. Don’t navigate this journey alone. Contact Borowitz & Clark today for a free consultation, and let us help you find a way forward. Borowitz & Clark ⚖️ A Modern Approach to Debt Relief 📲 877-439-9717 📍 West Covina, CA 💻 Virtual Consults #BankruptcyLawyer #DebtRelief #LegalSupport #FinancialPlanning #ConsumerBankruptcy

🌟 Client Spotlight: Tanya's Experience with Borowitz & Clark 🌟 "Great! Very upfront about what you need to do. Professional atmosphere, kind and nice." - Tanya R. At Borowitz & Clark, we pride ourselves on providing clear guidance. Our goal is to ensure every client feels informed and cared for throughout their journey. Looking for legal expertise with a personal touch? Discover the Borowitz & Clark difference today! Borowitz & Clark ⚖️ A Modern Approach to Debt Relief 📲 877-439-9717 📍West Covina, CA 💻 Virtual Consults 🌟 Nothing speaks to the trust and satisfaction of our clients quite like the referral of their friends and family. If you know someone in need of financial assistance, let them know Borowitz & Clark is here to help. #ClientTestimonial #BorowitzClark #ProfessionalService #ClientSatisfaction #TrustedGuidance

❓ FAQ Friday: Can I Keep My Car in Bankruptcy? 🚗 A common concern for many people considering bankruptcy is whether they’ll be able to keep their car. The good news? In most cases, you can! Here’s how it works: 🔹 Chapter 7 Bankruptcy: You may be able to keep your car if the equity in the vehicle is protected under California's bankruptcy exemptions. If your car’s value exceeds the exemption, you might still keep it by paying the non-exempt portion or reaffirming the loan. 🔹 Chapter 13 Bankruptcy: In this case, you’re typically allowed to keep your car as long as you continue making your payments. The debt can be restructured into your repayment plan, making it easier to stay on track. Worried about losing your vehicle? Let us help you understand your options. At Borowitz & Clark, we’re here to guide you through the bankruptcy process and make sure you keep what matters most. 📞 Contact Borowitz & Clark today for a free consultation! 📲 877-439-9717 💻 Virtual Consults #BankruptcyHelp #KeepYourCar #Chapter7Bankruptcy #Chapter13Bankruptcy #DebtRelief #FinancialFreedom #BorowitzClark

🌟 Client Testimonial: Experience the Borowitz & Clark Difference! 🌟 We're honored to share Ruben's heartfelt words about his experience with Borowitz & Clark: "I’ve consulted with many Bankruptcy attorneys, and Borowitz & Clark explained everything that was needed for me to know to make an informed decision. Other Bankruptcy Offices, you don’t even consult with the attorney in the beginning. Initially, you speak to their assistant to gather some basic information. At Borowitz & Clark, they make you feel like family, a partner. I would definitely recommend them to family and friends." At Borowitz & Clark, we believe in providing personalized, attorney-led consultations to ensure you feel informed and supported every step of the way. 🤝 If you are looking for compassionate and expert bankruptcy guidance, give us a call to discover the Borowitz & Clark difference today! Borowitz & Clark ⚖️ A Modern Approach to Debt Relief 📲 877-439-9717 📍 West Covina, CA 💻 Virtual Consults 🌟 Nothing speaks to the trust and satisfaction of our clients quite like the referral of their friends and family. If you know someone in need of financial assistance, let them know Borowitz & Clark is here to help. #ClientTestimonial #BorowitzAndClark #BankruptcyExperts #FamilyFeel #TrustedGuidance

🌟 Client Testimonial Spotlight! 🌟 We're honored to receive such high praise from Jessica K.! 🙌 "Don’t waste your time with any other bankruptcy lawyers. You found the best with B&C." At Borowitz & Clark, we pride ourselves on being the go-to bankruptcy law firm in Southern California, dedicated to guiding our clients through challenging times with expertise and compassion. Thank you for trusting us with your journey. We're here to help you rebuild and move forward with confidence! Borowitz & Clark ⚖️ A Modern Approach to Debt Relief 📲 877-439-9717 💻 Virtual Consults 📍 West Covina, CA 91791 🌟 Nothing speaks to the trust and satisfaction of our clients quite like the referral of their friends and family. If you know someone in need of financial assistance, let them know Borowitz & Clark is here to help. #BorowitzClark #ClientTestimonial #BankruptcyLawyers #CaliforniaLaw

📢 Understanding Which Debts Can Be Discharged in Bankruptcy 🏦💼 Filing for bankruptcy can be a powerful way to gain relief from overwhelming debt, but not all debts are treated equally. Some can be wiped out, while others will stick with you even after the process. Knowing the difference can help you make informed decisions and prepare for what’s ahead. Let’s break it down: ✅ Debts That CAN Be Discharged: 1. Credit Card Debt: High-interest credit card balances are typically discharged, giving you a fresh start. 2. Medical Bills: Medical debt can be overwhelming, but bankruptcy offers relief. 3. Personal Loans: Unsecured loans like payday loans and personal loans can also be discharged. 4. Utility Bills: Past-due utility bills, like water and electricity, can be included. 5. Most Lawsuit Judgments: If you were sued and lost, many types of judgments can be wiped out. ❌ Debts That CANNOT Be Discharged: 1. Student Loans: Unfortunately, student loans are notoriously difficult to discharge unless extreme hardship is proven. 2. Child Support & Alimony: Family obligations like child support and alimony are non-dischargeable. 3. Recent Taxes: Income tax debt from recent years is typically not dischargeable (though older taxes may be in certain cases). 4. Fines and Penalties: Court fines and criminal restitution obligations, such as traffic tickets or criminal fines, remain your responsibility. 5. Debts from Fraud: If your debt resulted from fraudulent actions, bankruptcy will not eliminate it. Filing for bankruptcy may provide significant relief, but it’s important to understand which debts will remain. If you’re unsure about what applies in your case, our team at Borowitz & Clark is here to help guide you through the process and create a personalized plan for your financial future. 💬 Have more questions about bankruptcy? Drop them in the comments or send us a message! 📞 Contact us today for a free consultation: 877-439-9717 #BankruptcyRelief #DebtDischarge #FinancialFreedom #BorowitzClark #BankruptcyHelp #DebtSolutions #FreshStart #DebtFreeLife #DebtRelief #FinancialPlanning #Chapter7Bankruptcy #Chapter13Bankruptcy #TakeControl #MoneyManagement #StopCreditorHarassment

Rebuilding Your Credit After Bankruptcy: Steps from Borowitz & Clark Facing bankruptcy can feel overwhelming, but it's the first step towards a fresh start! Here are some essential steps to help you rebuild your credit and regain financial stability: 1. Review Your Credit Report 📝: Obtain a free copy of your credit report to understand where you stand. Check for any inaccuracies and dispute them if necessary. 2. Create a Budget 💵: Develop a realistic budget that prioritizes your essential expenses. This will help you manage your finances and avoid future debt. 3. Establish a Secured Credit Card 💳: Consider applying for a secured credit card. This allows you to rebuild your credit while making manageable purchases. 4. Make Timely Payments ⏰: Always pay your bills on time, as this significantly impacts your credit score. Set reminders or automate payments to stay on track. 5. Keep Old Accounts Open 🔑: Maintain your older credit accounts, even if you don’t use them. The length of your credit history plays a key role in your score. 6. Limit New Credit Applications 🚫: Only apply for credit when necessary. Too many inquiries can negatively affect your credit score. Rebuilding your credit takes time, but you can achieve your financial goals with commitment and the right strategies! If you need personalized guidance, Borowitz & Clark is here to help you every step of the way. 📞 Contact us today for a consultation: 877-439-9717 #RebuildYourCredit #BankruptcyHelp #FinancialRecovery #CreditRepair #FreshStart #FinancialFreedom #BudgetingTips #SecuredCreditCard #DebtManagement #BorowitzClark

🚫 5 Common Myths About Bankruptcy Debunked! 🚫 Bankruptcy can be a complex and intimidating topic, but there’s a lot of misinformation out there. Let’s set the record straight on some of the biggest myths: 1️⃣ Myth: “Bankruptcy Will Ruin My Credit Forever.” Fact: While bankruptcy does impact your credit, it’s not forever. Many people start rebuilding their credit immediately after filing. 2️⃣ Myth: “I’ll Lose Everything I Own.” Fact: Most people keep their homes, cars, and other essentials thanks to exemptions built into bankruptcy law. 3️⃣ Myth: “Only Financially Irresponsible People File for Bankruptcy.” Fact: Job loss, medical bills, and unexpected life events are the leading causes. It can happen to anyone! 4️⃣ Myth: “I’ll Never Get a Loan Again.” Fact: Bankruptcy is often the first step towards rebuilding financial stability, and many people qualify for loans, credit cards, and mortgages within a few years. 5️⃣ Myth: “It’s Too Complicated, I Can’t File on My Own.” Fact: You don’t have to navigate this alone. Experienced bankruptcy attorneys, like those at Borowitz & Clark, make the process manageable and less stressful. If you’re feeling overwhelmed by debt, let’s debunk the myths and find a solution that works for you. Contact Borowitz & Clark for a free consultation today! 🌐 BorowitzClark.com 📞 877-439-9717 #BorowitzClark #BankruptcyMyths #DebtRelief #FinancialFreedom #BankruptcyHelp #CreditFreedom #FinancialFreedom #DebtReliefAttorney

🌟 Client Testimonial: Discover Peace of Mind with Borowitz & Clark 🌟 "All parties were very friendly, very detailed, and explained very well. As long as you follow their steps, everything will run smoothly." - L.P. At Borowitz & Clark, we strive to make the bankruptcy process as smooth and stress-free as possible. Our dedicated team is here to guide you every step of the way. 🤝 Facing financial challenges? If you or someone you know is seeking trusted legal guidance, contact us today to discuss your options. Let us help you and your loved ones navigate the path to financial freedom with confidence! Borowitz & Clark ⚖️ A Modern Approach to Debt Relief 📲 877-439-9717 📍 100 North Barranca, Suite 250, West Covina, CA 91791 🌐 borowitzclark.com 💻 Virtual Consults 🌟 Nothing speaks to the trust and satisfaction of our clients quite like the referral of their friends and family. If you know someone in need of financial assistance, let them know Borowitz & Clark is here to help. #ClientTestimonial #BorowitzClark #BankruptcyHelp #WestCovina #FinancialFreedom