What Borowitz & Clark does

Borowitz & Clark, LLP is a Southern California consumer bankruptcy law firm founded in 1998 by Barry Borowitz and M. Erik Clark, with partner Nancy Bonaccorso Clark. The firm specializes in Chapter 7 liquidation, Chapter 13 reorganization, debt negotiation, and student loan bankruptcy representation for individual debtors across the Central District of California, covering Los Angeles, Orange, San Bernardino, Riverside, and Ventura counties. It operates from a West Covina headquarters alongside a 100% virtual representation model that enables remote consultation, case management, and filing. Both founding partners are Board Certified in Consumer Bankruptcy by the American Board of Certification, and the firm claims to have helped over 40,000 families discharge more than $750 million in debt since inception. The firm has earned a 4.9-star rating across 500+ Google reviews, has been featured on Fox, NBC, Yahoo Finance, MarketWatch, Digital Journal, and CNN, and was recognized as a Best Bankruptcy Law Firm in Los Angeles in 2021.

The firm's core products are legal services rather than technology: Chapter 7 bankruptcy (full discharge of eligible unsecured debts with property protection), Chapter 13 bankruptcy (consolidated interest-free repayment plans with attorney fees paid through the plan), out-of-court debt negotiation, and specialized student loan bankruptcy counsel leveraging updated 2022 DOJ guidance. Supporting technology is limited to a virtual consultation platform, a website contact form, and SMS marketing automation through Drip Global, Inc. — none of which constitute proprietary AI or ML systems. The firm does not offer public APIs, SDKs, or developer-facing products; all services are delivered through direct attorney-client engagement.

The business model is professional services revenue from bankruptcy case fees, structured with a freemium entry point (free initial virtual consultations) and a Chapter 13 fee arrangement that lets clients pay attorney fees through the bankruptcy repayment plan rather than upfront. Go-to-market is sales-led via phone (877-439-9717), email, and chat, supported by a content marketing blog of 100+ articles, organic SEO targeting Southern California bankruptcy queries, social media presence on Facebook, Twitter, and YouTube, earned media placements, and SMS drip campaigns. Customers are individual consumer debtors in financial distress — a long-tail, distributed base with no enterprise concentration risk but with material geographic concentration to Southern California. The firm is privately held with no disclosed external investment, funding rounds, or parent company.

Name

Borowitz & Clark

Legal name

Borowitz & Clark, LLP

Website

https://borowitzclark.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Borowitz & Clark is a Southern California consumer bankruptcy law firm founded in 1998, providing Chapter 7 and Chapter 13 representation, debt negotiation, and student loan bankruptcy counsel to individual debtors across the Central District of California.

Ownership category

akta.pro rank

Product category

Consumer Bankruptcy Legal Services

NAICS

Offices of Lawyers (541110), Legal Services (5411)

akta.pro primary industry

Bankruptcy, Restructuring & Insolvency Law (BPAHAAAH)

akta.pro secondary industries

Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), Insolvency, Restructuring & Bankruptcy Administration (BPAHABAL)

Keywords

• Consumer bankruptcy law
• Chapter 7 bankruptcy
• Chapter 13 bankruptcy
• Debt negotiation services
• Student loan bankruptcy

Headquarters

HQ city

West Covina

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Legal Services - Professional Fees: Bankruptcy legal services where Chapter 13 fees can be paid through the repayment plan, allowing clients to avoid upfront payment for experienced bankruptcy lawyer representation

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Borowitz & Clark is a consumer bankruptcy law firm that provides legal representation for Chapter 7 (debt discharge) and Chapter 13 (debt reorganization) bankruptcy filings, debt negotiation services, and student loan bankruptcy assistance. The firm serves individuals overwhelmed by debt in Southern California through direct attorney-client engagement, offering free virtual consultations and full representation before the Federal Bankruptcy Courts in the Central District of California.

Product overview

Borowitz & Clark is a consumer bankruptcy law firm offering legal representation across Chapter 7 and Chapter 13 bankruptcy filings, debt negotiation, and student loan debt resolution. The firm's practice centers on Chapter 7 bankruptcy (full debt discharge) and Chapter 13 bankruptcy (reorganization with repayment plan), supplemented by debt negotiation services and specialized student loan bankruptcy support. The firm provides free virtual consultations as an entry point to its legal services, which are delivered through direct attorney-client engagement rather than a software platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Chapter 7 Bankruptcy Chapter 7 bankruptcy (liquidation) legal representation enabling individuals in Southern California to discharge eligible unsecured debts, protect essential assets including home equity and vehicles through available exemptions, and obtain a financial fresh start.
• Chapter 13 Bankruptcy Chapter 13 bankruptcy (reorganization) legal representation allowing individuals to consolidate debts into an interest-free repayment plan over three to five years while protecting assets from creditors, with attorney fees paid through the plan rather than upfront.
• Debt Negotiation Out-of-court debt settlement and negotiation legal services helping clients deal directly with creditors to reduce outstanding balances without filing for bankruptcy protection.
• Student Loan Debt in Bankruptcy Specialized legal counsel for addressing student loan debt within bankruptcy proceedings, including adversary proceedings to establish undue hardship for potential discharge.

Quantifiable outcome

• $750,000,000+ in debts discharged for clients
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Upsolve: Nonprofit technology platform that helps low-income consumer debtors file Chapter 7 bankruptcy for free online — same Southern California target demographic, but substitutes attorney representation with guided DIY software.
• SoloSuit: Tech-enabled platform that helps consumers respond to debt collection lawsuits with self-serve tools, partially overlapping Borowitz & Clark's debt-negotiation and credit-defense work with an automated delivery model.

Broad incumbents

• Nolo: Long-standing legal-information publisher offering consumer bankruptcy articles, books, and forms — addresses the same educational top-of-funnel that drives Borowitz & Clark's SEO/content leads.
• LegalZoom: Large consumer legal platform offering incorporations, wills, and limited bankruptcy-related services — serves overlapping consumer-debtor and small-business markets with broader, less specialized offerings.

Others

• Consumer Attorneys of California: Professional/advocacy organization representing consumer attorneys in California — not a competitor but shapes the regulatory and public-policy environment for bankruptcy plaintiff-side and debtor-side practices.

Direct peers

• Weintraub Zolkin Talerico: California-based consumer bankruptcy firm serving Los Angeles and surrounding counties with Chapter 7/13 representation, structured similarly as a multi-attorney specialty practice.
• DebtStoppers: National bankruptcy law firm specializing in Chapter 7, Chapter 11, Chapter 13, and foreclosure defense for consumers — offers the same core representation services and competes for consumer debtors in California.
• Samer Khouli Attorney at Law: Los Angeles-area consumer bankruptcy attorney providing Chapter 7 and Chapter 13 representation to Southern California residents — direct local competitor with identical customer profile.
• Fitzgerald & Campbell: Mid-sized consumer bankruptcy firm operating in Southern California with Chapter 7 and Chapter 13 representation, directly overlapping Borowitz & Clark's service offerings and market.
• Wadhwani & Shanfeld: Southern California bankruptcy law firm providing Chapter 7, Chapter 13, and debt negotiation services to consumers — same geography, same practice mix, and comparable mid-sized team as Borowitz & Clark.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bclawllp
• YouTubeyoutube.com/channel/UCock4MQ8bBPPuYaXvgTpQwg
• Facebookfacebook.com/BCLaw.LLP

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Borowitz & Clark