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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.

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. An attorney/client relationship with this entity cannot be formed by reading or responding to this information page.

Borowitz & Clark is a trade name used by Borowitz & Clark, LLP, a law firm practicing law in Southern California.

Although this site provides valuable information in its books, blogs, online questions and answers and forum, you must understand that this is not legal advice. Moreover, reading this content will not establish an attorney-client relationship between you and Borowitz & Clark, LLP or any of its attorneys. 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 hired Borowitz & Clark, LLP or its attorney(s) as your bankruptcy attorney by signing a retainer agreement, will they be able to give you legal advice. Until that time, however, the materials can only by providing useful information about bankruptcy and how to deal with creditors.

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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. 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.