Borowitzclark.com Review

Based on looking at the website borowitzclark.com, the platform specializes in bankruptcy law and debt relief services for individuals in Los Angeles and Southern California.

Bankruptcy, by its very nature, arises from financial difficulties often exacerbated by riba interest and conventional lending practices.

Therefore, while the firm aims to help individuals navigate these challenging situations, the underlying principles of the conventional financial system they operate within warrant a critical perspective from an Islamic standpoint.

Here’s an overall review summary:

• Service Offered: Debt relief and bankruptcy law Chapter 7 and Chapter 13.
• Target Audience: Individuals in Los Angeles and Southern California facing financial distress.
• Experience: Claims to have helped over 40,000 people since 1998, with founding partners board-certified in Consumer Bankruptcy.
• Consultations: Offers free, 100% virtual consultations.
• Transparency: Provides clear information on “How it Works” and types of bankruptcy.
• Ethical Consideration Islamic Finance: Deals with conventional debt structures, which inherently involve interest riba. While helping people out of debt is commendable, the methods are rooted in a system that is often contrary to Islamic financial principles.
• Overall Recommendation: While the firm appears professional and experienced in its field, the services are deeply intertwined with interest-based financial systems. For those seeking ethically compliant solutions, alternative approaches focused on debt prevention, ethical saving, and interest-free transactions are highly recommended.

The website clearly outlines its services, focusing on alleviating the burden of debt through legal means.

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It emphasizes virtual consultations, experienced attorneys, and a track record of success, including discharging over $750,000,000 in debts.

However, it’s crucial to understand that bankruptcy, while a legal solution in the conventional system, is often a consequence of financial practices that include interest—a concept strictly prohibited in Islam.

From an Islamic perspective, the focus should be on avoiding debt where possible, engaging in ethical transactions, and utilizing interest-free financial tools.

While a law firm like Borowitz & Clark may help individuals navigate existing debt within the conventional framework, it doesn’t offer solutions that align with the proactive, preventative measures and interest-free principles of Islamic finance.

Here are some better alternatives that focus on ethical financial management and avoiding debt in the first place, or managing it through permissible means:

• Wahed Invest: Key Features: Halal investment platform, diversified portfolios, low minimums. Average Price: Varies by investment amount and chosen plan. generally competitive fees. Pros: Shariah-compliant investments, easy to use, caters to various risk appetites, transparent reporting. Cons: Not a direct debt relief service, focus is on investment, not debt repayment.
• Zoya App: Key Features: Shariah-compliant stock screening, investment research, Zakat calculator. Average Price: Free basic features, premium subscription for advanced tools. Pros: Helps identify halal stocks, educational resources, supports ethical investment decisions. Cons: Primarily an investment research tool, doesn’t directly address debt.
• Amana Mutual Funds: Key Features: Shariah-compliant mutual funds, focus on socially responsible investing, professional management. Average Price: Expense ratios apply, similar to conventional mutual funds. Pros: Long track record, diversified halal portfolios, professional management. Cons: Requires capital for investment, not a debt solution.
• Islamic Relief USA: Key Features: Zakat distribution, charitable giving, humanitarian aid, some community development programs. Price: Donations. Pros: Supports those in need, adheres to Islamic principles of charity, can indirectly assist those facing financial hardship through aid programs. Cons: Not a legal or direct financial service for individuals.
• LaunchGood: Key Features: Global crowdfunding platform for Muslim-led causes, includes charitable and entrepreneurial projects. Price: Donation-based. Pros: Supports community initiatives, allows for ethical giving, can fund projects that create economic opportunities. Cons: Not a personal debt relief service, more for community support.
• Financial Literacy Resources General: Key Features: Free educational materials on budgeting, debt management, and financial planning from reputable sources e.g., government websites. Price: Free. Pros: Empowers individuals with knowledge, focuses on preventative measures, applicable to all income levels. Cons: Requires self-discipline and initiative to apply.
• Credit Counseling Agencies Non-Profit, Islamic-informed: Key Features: Non-profit agencies offering budgeting, debt management plans sometimes through debt consolidation, and financial education. While not exclusively Islamic, some can adapt advice to align with ethical considerations. Price: Often free initial consultations, modest fees for services. Pros: Provides structured support, can help negotiate with creditors, focuses on financial education. Cons: May still involve conventional debt consolidation, requiring careful scrutiny to ensure ethical compliance where possible.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Borowitzclark.com Review & First Look

Borowitzclark.com presents itself as a dedicated legal resource for individuals struggling with overwhelming debt in Southern California.

Upon initial review, the website is professionally designed, offering a clean layout and easy navigation.

The primary focus is clearly on bankruptcy law—specifically Chapter 7 and Chapter 13—and various debt relief solutions.

The firm highlights its experience since 1998, claiming to have assisted over 40,000 individuals, a significant number that suggests a long-standing presence in the field.

Initial Impressions of Professionalism

The website’s design conveys a sense of trust and professionalism. Dressmeupny.com Review

High-quality imagery, clear calls to action for “Free Consultations,” and readily available contact information phone number prominently displayed, email, and chat options contribute to a user-friendly experience.

The site emphasizes virtual consultations, reflecting a modern approach to legal services, which is a significant convenience for potential clients.

This commitment to accessibility is a notable positive.

Understanding the Service Scope

Borowitz & Clark clearly defines its service scope, addressing issues such as credit card debt, payday loans, repossessions, garnishments, foreclosures, and lawsuits.

This comprehensive list indicates that they cater to a broad spectrum of debt-related problems. Coinnewsspan.com Review

The explicit mention of offering solutions “inside and outside of bankruptcy” suggests a holistic approach to debt relief, though bankruptcy remains their core specialty.

From an ethical standpoint, it’s important to note that these services are a response to a financial system that often leads to debt through interest-based transactions, which are problematic in Islamic finance.

Borowitzclark.com Pros & Cons

When evaluating borowitzclark.com, it’s essential to weigh its apparent strengths against potential drawbacks, especially when viewed through an ethical lens that prioritizes financial conduct aligned with Islamic principles.

Apparent Strengths of Borowitz & Clark

The website highlights several positive aspects that would appeal to someone seeking debt relief in the conventional financial system.

• Extensive Experience: The claim of being established in 1998 and having helped over 40,000 people with $750,000,000+ in debts discharged suggests a high level of experience and efficacy. For context, the average consumer debt in the U.S. per borrower was around $55,620 in Q4 2023, according to Experian data. Discharging such a large sum indicates significant activity.
• Board-Certified Attorneys: The founding partners, Barry Borowitz and Erik Clark, are explicitly stated as Board Certified in Consumer Bankruptcy by the American Board of Certification. This is a significant credential, indicating specialized knowledge and expertise in bankruptcy law, which is a complex field.
• Comprehensive Debt Solutions: The firm addresses a wide array of debt issues, including credit card debt, payday loans, repossessions, and foreclosures, implying a robust understanding of various debt challenges. They also state they offer solutions both “inside and outside of bankruptcy,” suggesting a tailored approach rather than a one-size-fits-all.
• Educational Resources: The presence of a blog with articles on debt and bankruptcy topics indicates a commitment to educating potential clients. Topics like “10 Mistakes People Make with Debt” and “4 Steps to Try Before Bankruptcy” provide valuable pre-engagement information.
• Strong Client Testimonials/Reviews: The website mentions “4.9 stars from 400+ reviews on X” likely referring to a platform like Google or Yelp, though not explicitly named for X. While the specific platform is obscured, a high rating from a large number of reviews generally indicates client satisfaction.

Ethical Considerations and Potential Drawbacks from an Islamic Perspective

While the firm offers professional services within the conventional legal framework, there are significant ethical considerations when viewed through the lens of Islamic finance. Oliviascuisine.com Review

• Reliance on Conventional Debt Systems: The entire premise of debt relief and bankruptcy services stems from a financial system that heavily relies on interest-based lending riba. Islam strictly prohibits riba, considering it exploitative and unjust. While Borowitz & Clark helps people get out of these systems, the very existence of such severe debt often originates from non-Shariah-compliant financial practices like credit cards with high interest rates, payday loans, and conventional mortgages.
• Bankruptcy as a Last Resort: In Islam, fulfilling financial obligations is paramount. While unforeseen circumstances can lead to debt, the ultimate goal is to avoid it, or to repay it through sincere effort. Bankruptcy, while a legal escape in the conventional system, represents a failure to meet obligations. While it offers a “fresh start” in the legal sense, it’s not a path encouraged proactively in Islamic teachings, which emphasize financial responsibility and ethical earning.
• Lack of Shariah-Compliant Alternatives: The firm’s solutions are entirely within the conventional legal framework. There is no mention of or guidance towards Shariah-compliant debt management or financing options. For individuals seeking to align their financial lives with Islamic principles, engaging with such a firm might resolve an immediate crisis but doesn’t offer a path towards long-term, ethically sound financial habits.
• Promotion of Payday Loans indirectly: While they help with “Payday Loans,” the fact that this is a common issue they address highlights the prevalence of highly exploitative, interest-laden financial products. From an Islamic perspective, such loans are fundamentally impermissible due to their excessive interest, and their very existence is problematic.
• Focus on Legal Technicalities over Financial Ethics: The services offered are about navigating legal loopholes and protections within a conventional system rather than fostering financial self-sufficiency and ethical wealth management rooted in Islamic principles. The goal is discharge or reorganization, not necessarily a fundamental shift to interest-free living.

Borowitzclark.com Alternatives

Given the ethical considerations surrounding conventional debt and bankruptcy from an Islamic perspective, seeking alternatives that align with Shariah principles is crucial.

These alternatives focus on ethical financial management, debt avoidance, and permissible ways to manage financial hardship without resorting to interest-based systems.

Halal Financial Planning and Investment Tools

• Wahed Invest: Wahed Invest is a pioneer in offering Shariah-compliant investment opportunities. Instead of dealing with debt after it accrues, Wahed helps individuals build wealth through ethical investments. Their portfolios are diversified across various asset classes, all screened for Shariah compliance, avoiding industries like alcohol, gambling, and conventional finance. This is a proactive step towards financial stability and avoiding future debt through sound, permissible wealth building.

  • Key Features: Diversified portfolios, ethical screening, low minimums, retirement accounts IRAs, Halal stocks.
  • Average Price: Management fees typically range from 0.49% to 0.99% of assets under management, depending on the plan.
  • Pros: Fully Shariah-compliant, easy to use, accessible for beginners, professional management, helps build long-term wealth.
  • Cons: Not a direct debt relief service, requires initial capital to invest.

• Zoya App: Zoya is an indispensable tool for Muslims looking to ensure their investments are Shariah-compliant. While it doesn’t directly solve debt, it empowers individuals to make informed investment decisions that prevent them from engaging in impermissible transactions that might lead to financial distress later on.

  • Key Features: Shariah-compliant stock screening, Halal stock analysis, Zakat calculator, investment research.
  • Average Price: Free basic features. premium subscription for advanced tools e.g., Zoya Premium: $14.99/month or $119.99/year.
  • Pros: Excellent for due diligence on stocks, easy to understand ratings, educational content, promotes ethical investing.
  • Cons: Primarily an analytical tool, doesn’t offer investment services or debt management directly.

• Amana Mutual Funds: Amana Mutual Funds have been providing Shariah-compliant investment solutions for decades. They offer professionally managed mutual funds that adhere strictly to Islamic principles, ensuring that investments avoid prohibited industries and interest-bearing instruments. Investing with Amana can be a strong strategy for building financial resilience. Openmindprojects.org Review

  • Key Features: Shariah-compliant mutual funds, focus on socially responsible investing, long track record.
  • Average Price: Expense ratios vary by fund, generally ranging from 0.70% to 1.10% annually.
  • Pros: Established and reputable, diversified portfolios, professional management, helps grow wealth ethically.
  • Cons: Requires capital to invest, not a direct debt solution, subject to market fluctuations.

Ethical Debt Prevention and Management Resources

• Islamic Relief USA: While primarily a humanitarian aid organization, Islamic Relief USA and similar organizations like ICNA Relief or Zakat Foundation of America often have programs that address poverty and financial hardship. These can include Zakat distribution for those in debt, or community development initiatives that aim to empower individuals economically, thus preventing debt accumulation.

  • Key Features: Zakat distribution, charitable giving, humanitarian aid, community development programs.
  • Price: Donations.
  • Pros: Supports those in need, adheres to Islamic principles of charity, can provide indirect assistance to those facing financial hardship.
  • Cons: Not a legal or direct financial service for individuals, assistance is based on eligibility and availability of funds.

• LaunchGood: LaunchGood is a global crowdfunding platform that facilitates fundraising for Muslim-led causes. While not a direct debt relief service, individuals could theoretically launch campaigns for dire financial needs e.g., medical debt or support projects that empower communities economically, thereby addressing root causes of poverty and debt.

  • Key Features: Crowdfunding for various causes, community support, ethical giving.
  • Price: Donation-based, platform fees apply for campaigns.
  • Pros: Connects those in need with potential donors, supports community initiatives, promotes ethical giving.
  • Cons: Not a guaranteed solution for personal debt, relies on public generosity, not a direct legal or financial service.

• Consumer Financial Protection Bureau CFPB: The CFPB is a U.S. government agency dedicated to protecting consumers in the financial marketplace. They offer a wealth of free, unbiased information on managing debt, budgeting, and avoiding financial pitfalls. While not Shariah-specific, their resources on understanding credit reports, dealing with debt collectors, and financial planning can be adapted by individuals to avoid interest-based debt or navigate existing conventional debt responsibly.

  • Key Features: Free educational materials, consumer tools, complaint submission service, resources on debt collection and credit reports.
  • Price: Free.
  • Pros: Reliable, unbiased information, empowers individuals with knowledge, focuses on preventative measures.
  • Cons: Not Shariah-specific, requires self-discipline to implement advice.

• National Foundation for Credit Counseling NFCC: The NFCC is a non-profit organization that provides free or low-cost credit counseling, debt management plans, and financial education. While their services operate within the conventional financial system, a skilled counselor can help individuals create budgets, understand debt consolidation, and negotiate with creditors. When engaging with such a service, individuals should explicitly seek to avoid further interest-bearing arrangements where possible and prioritize debt repayment over new debt.

  • Key Features: Credit counseling, debt management plans, bankruptcy counseling, financial education workshops.
  • Price: Often free initial consultations, modest fees for services, typically less than for-profit agencies.
  • Pros: Provides structured support, can help negotiate with creditors, focuses on financial education, non-profit status.
  • Cons: Still operates within the conventional debt framework, may involve debt consolidation which could include interest-based loans if not carefully managed.

How to Cancel borowitzclark.com Subscription

It’s important to clarify that Borowitzclark.com operates as a law firm providing legal services, primarily bankruptcy and debt relief. Dentomega.com Review

They do not offer a “subscription service” in the traditional sense like a software or content platform.

Therefore, there isn’t a typical “cancel subscription” process.

Instead, clients engage them for specific legal representation.

Understanding the Client Engagement Model

When you engage Borowitz & Clark, you are retaining their legal services for a specific case, such as filing for Chapter 7 or Chapter 13 bankruptcy, or for debt negotiation.

This relationship is governed by a retainer agreement or legal services contract, which outlines the scope of work, fees, and termination clauses. Freshcoatpainters.com Review

There are no recurring monthly subscription fees that would need to be canceled like Netflix or a gym membership.

Terminating Legal Representation

If, for any reason, a client wishes to cease their representation by Borowitz & Clark before their case is concluded, they would need to formally terminate the attorney-client relationship.

• Review Your Retainer Agreement: The first and most crucial step is to meticulously review the legal services agreement you signed with Borowitz & Clark. This document will detail the terms of engagement, including conditions for termination, any fees associated with early termination, and how unused retainer funds if any are handled.
• Communicate in Writing: It is imperative to communicate your decision to terminate their services in writing. This creates a clear record. A formal letter or email should state your clear intent to terminate representation, effective immediately or on a specific date.
• Discuss Outstanding Fees: Be prepared to discuss any outstanding fees for work performed up to the point of termination. Your agreement should specify how fees are calculated e.g., hourly rates, flat fees for certain milestones.
• Request Case Files: You have a right to your case files. Request that they be either returned to you or forwarded to a new attorney if you plan to continue your case with different counsel.
• Seek New Counsel if applicable: If you are terminating due to dissatisfaction or a change in strategy, and your legal matter is ongoing, you should secure new legal representation promptly to avoid delays or adverse outcomes in your case.

It’s critical to note that terminating legal representation, especially in an active bankruptcy or debt relief case, can have significant implications.

It’s advisable to consult with a new attorney before taking this step to understand the potential consequences and ensure a smooth transition.

How to Cancel borowitzclark.com Free Trial

Just as with “subscriptions,” borowitzclark.com does not offer a “free trial” in the typical sense of a software or service. Nancyshome.com Review

Their “free consultation” is precisely what it sounds like: an initial, no-cost discussion about your financial situation and potential legal options.

It’s a discovery call, not a trial of an ongoing service.

Understanding the “Free Consultation”

The website prominently advertises “Free Consultations” and “free 100% virtual consultations.” This is a standard practice among many law firms to attract potential clients and allow them to gauge whether the firm is a good fit without upfront financial commitment.

During this consultation, you typically discuss your financial situation with an attorney, learn about possible legal strategies like Chapter 7 or Chapter 13 bankruptcy, and understand the firm’s approach.

There is no obligation to proceed with their services after this initial discussion. Revengedeathspell.blogspot.com Review

No Cancellation Process Needed

Since a free consultation is a one-time event and not an ongoing service, there is no “cancellation” process required for it.

• If you haven’t scheduled one: You simply don’t schedule it. No action needed.
• If you’ve scheduled but haven’t had it yet: You can simply call or email them to inform them you need to cancel or reschedule. A polite notification is a professional courtesy, but there are no penalties or further obligations.
• If you’ve already had the consultation: The consultation is complete. You are under no obligation to hire them or take any further action. You simply decide whether or not to move forward with their paid legal services.

In summary, the “free consultation” offered by Borowitz & Clark is an exploratory meeting, not a trial period for a service that needs to be actively canceled.

You are free to decline further engagement at any point after the consultation without any financial or legal repercussions related to the consultation itself.

Borowitzclark.com Pricing

Borowitzclark.com, as a law firm, does not publish a standard pricing list on its website, which is typical for legal services.

The cost of legal representation for bankruptcy or debt relief is highly dependent on the complexity of an individual’s case. Toptobottomconstruction.com Review

Legal fees for such services generally involve different structures.

Typical Legal Fee Structures

• Flat Fees: For straightforward bankruptcy filings like a simple Chapter 7, many law firms offer flat fees. This means a single, upfront cost for the entire service, from filing to discharge. The amount can vary significantly based on the state, the complexity of the client’s assets and debts, and the firm’s reputation. In California, Chapter 7 bankruptcy attorney fees can range widely, often from $1,000 to $3,500, but this is just a general estimate.
• Hourly Rates: For more complex cases, or for services outside of a standard bankruptcy filing e.g., defending against specific lawsuits, negotiating with particularly aggressive creditors, attorneys may charge an hourly rate. These rates can range from $200 to $500+ per hour depending on the attorney’s experience, location, and the specifics of the legal work.
• Payment Plans: Many bankruptcy attorneys understand that clients are in financial distress and offer payment plans. For Chapter 7, the fee generally must be paid in full before the case can be filed. For Chapter 13, a portion of the attorney’s fee might be paid upfront, with the remainder paid through the Chapter 13 payment plan over 3-5 years.

Factors Influencing Cost

Several factors would influence the total cost for services from Borowitz & Clark:

• Type of Bankruptcy: Chapter 13 cases are generally more complex and thus more expensive than Chapter 7 cases due to the development and administration of a payment plan over several years.
• Case Complexity: The number of creditors, types of debt secured vs. unsecured, presence of assets, involvement in lawsuits, and specific financial circumstances all contribute to the overall complexity and, therefore, the fee.
• Geographic Location: Legal fees can vary based on the cost of living and legal market in a specific region. As Borowitz & Clark serves Southern California, their fees would be competitive within that market.
• Firm’s Reputation and Experience: Firms with a long track record, specialized certifications like their board-certified attorneys, and extensive experience often command higher fees, reflecting their expertise.

How to Get Pricing Information

The only way to get accurate pricing information from Borowitz & Clark is to utilize their advertised “Free Consultation.” During this consultation, after assessing your specific financial situation, they would typically provide a fee quote for the services relevant to your case.

This allows them to offer a tailored estimate rather than a generic price list.

It’s crucial for potential clients to ask detailed questions about all fees, including court filing fees which are separate from attorney fees, administrative costs, and payment options during this consultation. Thehuntsmanclub.com Review

Borowitzclark.com vs. Credit Counseling Agencies

When facing overwhelming debt, individuals often consider two primary avenues: legal bankruptcy like through firms such as Borowitz & Clark or credit counseling/debt management plans offered by agencies. Both aim to alleviate debt, but their approaches, outcomes, and underlying philosophies differ significantly, especially when viewed through an Islamic ethical lens.

Borowitzclark.com Bankruptcy Law Firm

Borowitz & Clark represents the legal approach to debt relief, primarily through the U.S. bankruptcy code.

• Approach: Legal intervention to discharge or reorganize debt under federal law Chapter 7 or Chapter 13. It’s a formal, court-supervised process.
• Mechanism:
  • Chapter 7: Liquidation of non-exempt assets to pay creditors, with most remaining unsecured debt discharged.
  • Chapter 13: Creation of a repayment plan over 3-5 years, where a portion of debt is repaid and the remainder discharged.
• Pros Conventional:
  • Provides legal protection from creditors via the “automatic stay.”
  • Can legally eliminate or significantly reduce debt.
  • Offers a “fresh start” in the eyes of the law.
  • Experienced attorneys navigate complex legal procedures.
• Cons Conventional:
  • Significant impact on credit score for 7-10 years.
  • May involve losing non-exempt assets Chapter 7.
  • Public record.
  • Can be emotionally and financially stressful.
• Ethical View Islamic: While it offers a legal way out of debt, it’s a response to a system built on interest. The act of legally defaulting on loans, even when necessary, can be complex in Islam, which emphasizes fulfilling obligations. It doesn’t address the root causes from an Islamic financial perspective e.g., avoiding riba, prudent spending.

Credit Counseling Agencies e.g., NFCC-affiliated

Credit counseling agencies, particularly non-profit ones affiliated with organizations like the National Foundation for Credit Counseling NFCC, offer a more informal, educational, and negotiated approach to debt.

• Approach: Financial education, budgeting advice, and negotiation with creditors to establish a Debt Management Plan DMP.
• Mechanism: Counselors help create a budget, contact creditors to seek concessions like lower interest rates, waived fees, and consolidate multiple unsecured debts into a single monthly payment to the agency, which then distributes funds to creditors.
  • Less severe impact on credit score than bankruptcy.
  • Avoids public record of bankruptcy.
  • Focuses on financial education and behavioral changes.
  • Provides structured repayment without legal discharge.
  • Often offers free initial consultations and lower fees than attorneys.
  • Creditors are not legally obligated to agree to DMPs.
  • Does not eliminate debt. only helps manage repayment.
  • Requires consistent payments over several years.
  • Secured debts mortgages, car loans are typically not included.
• Ethical View Islamic:
  • More Aligned: This approach is generally more aligned with Islamic principles as it emphasizes fulfilling obligations and seeks to manage debt through negotiation and discipline, rather than legal discharge. It encourages repayment and financial literacy.
  • Caution on Interest: While DMPs aim to reduce interest rates, they still operate within an interest-based system. The goal should be to minimize interest payments and eliminate the debt as quickly as possible without accruing new interest.
  • Educational Benefit: The focus on budgeting and financial discipline is highly compatible with Islamic teachings on moderation and responsible spending.

Key Differences and Ethical Choice

Feature	Borowitz & Clark Bankruptcy	Credit Counseling Agencies DMP
Method	Legal process Chapter 7/13	Negotiated repayment plan, financial education
Outcome	Debt discharge or reorganization	Structured repayment, debt reduction through negotiation
Credit Impact	Severe, 7-10 years	Less severe, impact less prolonged
Creditor Action	Automatic stay stops collection	Creditors may or may not agree to terms
Assets	Chapter 7 may involve asset liquidation	Generally no asset liquidation
Public Record	Yes	No
Fees	Higher, typically flat or hourly for complex cases	Lower, often non-profit, some fees for services
Islamic Ethic	Less Aligned: Legal discharge of interest-based debt as last resort. Does not prevent future engagement in riba.	More Aligned: Emphasizes repayment, negotiation, and financial discipline. Still within interest-based system but focuses on minimizing it.

From an Islamic ethical standpoint, credit counseling and debt management plans with careful scrutiny to minimize interest are generally preferable to bankruptcy as a first resort.

They promote responsibility and fulfilling obligations. Northamericamattress.com Review

Bankruptcy, while sometimes a necessary last resort in a conventional system, should be approached with the understanding that it is a consequence of problematic financial practices and not a proactive Islamic solution.

The ultimate goal should be to prevent debt entirely through halal earnings, wise spending, and ethical financial instruments.

FAQ

What is Borowitzclark.com?

Borowitzclark.com is the official website for Borowitz & Clark, a law firm based in Los Angeles and Southern California specializing in bankruptcy law and debt relief services, including Chapter 7 and Chapter 13 bankruptcy.

What services does Borowitz & Clark offer?

Borowitz & Clark offers legal assistance for various debt-related issues such as credit card debt, payday loans, repossessions, wage garnishments, foreclosures, lawsuits, and evictions, providing solutions both within and outside of formal bankruptcy proceedings.

Are the consultations with Borowitz & Clark free?

Yes, Borowitz & Clark offers free initial consultations, which are 100% virtual for client convenience. Artgrami.com Review

How long has Borowitz & Clark been in business?

Borowitz & Clark has been in operation since 1998, with over two decades of experience in bankruptcy law.

How many people has Borowitz & Clark helped?

The firm claims to have helped over 40,000 people in Los Angeles and Southern California get out of debt, discharging over $750,000,000 in debts for their clients.

Are the attorneys at Borowitz & Clark certified?

Yes, the founding partners, Barry Borowitz and Erik Clark, are Board Certified in Consumer Bankruptcy by the American Board of Certification.

Does Borowitz & Clark only handle bankruptcy cases?

While bankruptcy is their primary specialty, they state they offer solutions “both inside and outside of bankruptcy” to help clients deal with various debt challenges.

What is the process for working with Borowitz & Clark?

The typical process involves scheduling a virtual consultation, discussing your financial situation with an expert attorney, reviewing all available financial options, and then creating a debt relief plan. Arumplc.com Review

Can I get help with payday loans from Borowitz & Clark?

Yes, the website specifically lists “Payday Loans” as one of the debt types they can help clients address.

Is Borowitz & Clark a modern law firm?

Yes, they describe themselves as a “Modern Day Law Firm,” emphasizing the convenience of virtual bankruptcy representation, allowing clients to work with them from home.

Does Borowitz & Clark offer payment plans for their services?

While not explicitly stated on the homepage, many bankruptcy law firms offer payment plans for their fees.

It’s best to discuss payment options during your free consultation.

What is the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 bankruptcy liquidation involves surrendering non-exempt property to discharge debts, while Chapter 13 bankruptcy reorganization involves creating a 3-5 year payment plan for debts. Allshredservices.com Review

Does filing for bankruptcy stop collection calls?

Yes, both Chapter 7 and Chapter 13 bankruptcy come with the protection of the “automatic stay,” which stops all collection actions, repossessions, and foreclosures during the bankruptcy process.

Does Borowitz & Clark have a blog?

Yes, Borowitz & Clark maintains a blog with articles on a wide range of debt and bankruptcy topics, such as preparing for bankruptcy and understanding wage garnishment rules.

How does Borowitz & Clark address credit card debt?

They provide legal counsel to help individuals deal with credit card debt, often through bankruptcy proceedings like Chapter 7 or Chapter 13, or other negotiated solutions.

Do I need to be in California to use Borowitz & Clark’s services?

Yes, they primarily serve Southern California residents, including Los Angeles, Orange, San Bernardino, Riverside, and Ventura counties.

How can I contact Borowitz & Clark for a consultation?

You can contact them via phone at 877-439-9717, email, or chat, as stated on their website. Lovepsychictoronto.com Review

What is the firm’s stance on debt settlement vs. bankruptcy?

The website indicates they explain all options, including those outside of bankruptcy, which could imply debt settlement, but they emphasize bankruptcy as a primary solution.

Their blog also mentions “trying to handle your debts through debt settlement or other means.”

Will my property be taken if I file for bankruptcy with Borowitz & Clark?

California offers extensive exemptions, meaning you’ll likely be able to keep important assets like your car and home, especially in Chapter 7, but this depends on individual circumstances and which assets are considered non-exempt.

What are some ethical alternatives to conventional debt relief services?

Ethical alternatives from an Islamic perspective include focusing on Shariah-compliant financial planning and investment platforms like Wahed Invest or Amana Mutual Funds, utilizing tools like Zoya App for ethical investing, and seeking assistance from charitable organizations like Islamic Relief USA or LaunchGood for hardship, alongside general financial literacy resources from reputable sources and non-profit credit counseling agencies that can help manage debt while minimizing interest.