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Because Here Is What You Get:

• We Have The Experience:
  
  Doing nothing but bankruptcy law for a living makes us better. Very simply....We know our stuff. We help teach other bankruptcy attorneys. We have helped over 16,000 clients get free from the burden of 10's of millions of dollars in debt. We have a staff of attorneys with a total of over 40 years experience. We have handled just about every aspect of bankruptcy law. We know the answers. We know the laws. We know how things work the laws. We're not going to make the mistakes that will cost you even more money.
  
  
• We Know That How We Treat You Is As Important As What We Do For You:
  
  We take great pride in the level of caring and respect we show our clients. Filing bankruptcy is an important decision, and we know that you will have lots of worries and concerns. For most people, the mere thought of filing bankruptcy seems scary. We know this, and that's why we focus so much energy on addressing your worries and concerns and why we promise to do our best to address all of them.
  
  Our goal is to make you feel like family in dealing with us. We understand what you have been through with your creditors and that you need and deserve a place where you can feel safe and secure, and where you can feel welcome and at home.
  
  That's why we encourage you to keep asking questions until you have...not some but...all the answers. For sure....we will tell you all about how bankruptcy works. But more importantly....we will try to address all your concerns about how it feels, what filing really means, and....as best we can...what you can expect will happen in the future. We only want what's right for you and your family. If that's bankruptcy...fine. And, if not, that's fine too.  Either way...for us...it's all about the warmth and the welcome.
  
  
• We Have Good, Caring, People Working For Us:
  
  You will like our staff. We are very careful to only hire people who are good with other people, people who will care deeply about other clients. But...don't take my word for it. See for yourself. Check out the "Testimonials" section of this website. (Click here to see testimonials) There's a reason our clients send us thank you letters, and why we get so many referrals.
  
  You have been through enough. It's time for you to be treated with kindness, love and respect. You are a good human being and the last thing you need is someone else....like your creditors..... to disrespect you or treat you rudely. You have a right to be treated like the good, honest, hard-working person you are, someone who cares deeply about the family, and someone who cares deeply about doing the right thing. We know that it hurts you to file bankruptcy, and that you are only doing so because there is no good choice and because you can't go on the way you have been and because you need to put things back in their proper order....family first.
  
  We understand.  Life can be brutal.  That's why...for us...it's all about "the warmth and a welcome".
  
  
• We Provide Results:
  
  Our law firm provides results. We don't just say it. We have the cases and clients to prove it. We have helped thousands of client move down the road to a debt-free life. For instance....in just 3 months...we got rid of $6,469,271.00 in debt for a total of 176 families....right here in Southern California. This was an average of $36,700 per family (This ranged from $2,214.00 per family to $241,792.00 per family.)...money that is better spent on your family. We lower monthly payments for every client we represent; and it is common for us to save clients hundreds of dollars in payments every month. We have put examples on this website. (Click here to see actual client results) And lowering monthly payments for our clients lowers stress. Isn't that what you really want? Less stress so you can focus on more important priorities...like your family.
  
  
• We Offer A Totally FREE Debt Consultation:
  
  We know that when you have too many bills to pay....the last thing you need is another payment. That's why we offer a FREE Debt Consultation. You get a FREE consultation.... and you can learn all about what your options are and get all your questions and concerns answered....and it doesn't cost you a thing. If you want to come in, sit down, take up our time, get answers.....and then just leave....you can. How can we do this...you ask? We can because we know that if we see enough people ....we will end up with enough new clients to stay in business. So.....you see.....it's a "win-win" situation for you and for us. So....why wait? If you need answers.....before you commit to some other plan or payment or organization.....come see us first. You have nothing to lose.....and everything to gain.
  
  
• We Offer Low Fees:
  
  You don't have to pay more to get the expertise you need. By handling a large volume of clients...we are able to operate more efficiently....and you know who wins.....you do. You get all our knowledge and experience for no more than you might pay a lawyer with little or no experience. So....which lawyer would you choose?
  
  Chapter 13: If you need to file a Chapter 13 bankruptcy....for most clients.... we only require $200 up front, plus the filing fee of $189*, plus the cost of getting your credit reports. For credit reports....we charge $10 a piece. Compare this with other places that charge as much as $40 per credit report....or more. In Chapter 13...the remainder of our attorney fees are figured into your plan and paid out over time....and this makes filing bankruptcy affordable for you.
  
  Chapter 7: If you need to file a Chapter 7 bankruptcy....we offer a flexible payment plan. Under the law...we have to collect all fees up-front, before we file your case. Otherwise....when we file your case....we wipe out our own debt ...because attorney fees are just another debt you can get rid of in bankruptcy. Usually...however...if you are a good candidate for a Chapter 7 plan....and you can hold off filing your case for a few months....this gives you the time to come up with the necessary fees. Many of our clients pay as little as $100 per month until the fees are paid. As soon as all the fees are collected....we file your case. In the meantime....there is still good news. Your case is not yet filed....but you have a lawyer. Once you put some money....as little as $75 down.....we are your lawyer...and this means you have the full weight of our office behind you. Once we are your lawyer.....and you have questions.....you have full access to our lawyers and staff to answer your questions...and to keep you protected as best we can until you can get your case filed.
  
  
• We Give Great Service:
  
  Every day we do bankruptcy law...we get better....and better....and better.....and everything we learn.....we bring to bear to give you the best service possible. And...when you need help....we have the attorneys and staff to get things done....fully trained people.....who can provide you fast and efficient service. Why would you settle for less? There is no doubt....If you want the most bang for your buck....you want us....The Law Offices Of Borowitz, Lozano & Clark, LLP, And we work hard for you and know how to protect you and your family. The creditors and the attorneys who work for the creditors know that we know our bankruptcy law and that we stand our ground. Nobody pushes us around....and this means the best results for you and all our clients....
  
  
• We Have 5 Convenient Locations:
  
  We have 5 offices conveniently located in West Covina, Ontario, Lancaster, Norwalk, and Torrance...
  
• We Don't Represent Creditors:
  
  This is important. Some bankruptcy lawyers also represent creditors. We don't....and never will. We are totally devoted to representing only good, hard-working people.... just like you. From time to time....creditors try to hire us....but we tell them "No...thank you." Our loyalty....is to you.
  
  *  As of 11/24/05, the Court filing fee for Chapter 13 is $189.  For Chapter 7, the Court filing fee is $274.
  
  
  Call NOW to set up your FREE Consultation.
  Just call toll free 1-800-509-3200.
  
  Want us to call you?  Just fill out and submit the "Quick Contact" form located on this page.