Jay H. Clark's Profile

For a majority of his legal career Jay has represented secured creditors in commercial restructuring, forbearance agreements, and foreclosure. He regularly appears before the bankruptcy courts throughout Alabama in representation of secured and unsecured creditors in filing of claims, preference claim litigation, objections to confirmation, and pursuit of nondischargeability judgments.  In recent years Jay has represented and advised homeowner and condominium associations ranging in size from a dozen homes to several hundred homes in the association on issues of covenant enforcement and amendment, lien filing, litigation and contract revision.

Jay was born in 1964 in Prattville, Alabama. A graduate of Harding University in Searcy, Arkansas, he received his Bachelor of Business Administration degree in accounting in 1986. Upon graduation, he worked as an auditor with Ernst & Young in Birmingham, Alabama, concentrating in the fields of banking and health care. He received his C.P.A. designation in 1989.

In 1989, Jay left Ernst & Young to attend Cumberland School of Law. He graduated magna cum laude in 1992. While in law school, Jay was an associate editor of the Cumberland Law Review. He was also inducted into the Phi Kappa Phi and Curia Honoris honor societies.

After graduating from law school, Jay joined Wallace, Jordan, Ratliff & Brandt. He is admitted to practice law before all federal district courts in Alabama and all Alabama state courts. He is a member of the Alabama State Bar and the Birmingham Bar Association.

An active member of Homewood Church of Christ, Jay is a past board member of Agape of Central Alabama, a faith-based adoption and foster care organization serving central Alabama. Recently he has joined the board at Ambucs Birmingham, Alabama, a charitable organization providing Amtryke therapeutic tricycles to people with special needs in Jefferson and surrounding counties in Alabama. Jay and his wife Vonya have three children and one daughter-in-law. In his leisure time Jay enjoys spending time with his family on Lake Martin and watching his youngest two kids compete collegiately in track and field.

Cases of Note

  • Watts v. Rudulph, 839 So. 2d 685 (Ala. Civ. App. 1998)



  • Cumberland School of Law, Samford University, Birmingham, AL, J.D., magna cum laude, 1992
    Honors: Associate Editor Cumberland Law Review, Phi Kappa Phi and Curia Honoris Honor Societies, Cumberland School of Law Dean’s Scholarship Recipient, Am. Jur. Book Award for highest grade in Torts and Civil Procedure
  • Harding University, Searcy, Arkansas, B.B.A., Accounting, 1986


Bar Admissions

  • Alabama, 1992
  • U.S. District Court Middle District of Alabama, 1992
  • U.S. District Court Northern District of Alabama, 1992
  • U.S. District Court Southern District of Alabama, 1992

Previous Positions

  • Ernst & Young, Auditor, 1986-1989


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