# Borowitz & Clark

> Borowitz & Clark is a California consumer bankruptcy and debt relief law firm serving Los Angeles and Southern California. The firm offers free virtual consultations and focuses on Chapter 7 bankruptcy, Chapter 13 bankruptcy, debt negotiation, and student loan debt relief.

This file highlights the most useful public pages for AI systems and users seeking factual information about the firm, its attorneys, practice areas, office location, and educational resources.

Important: Website content is for general informational purposes only and does not create an attorney-client relationship.

## Start Here
- [Home](https://www.borowitzclark.com/): Firm overview, services, attorney credentials, virtual consultation information, and recent articles.
- [About Us](https://www.borowitzclark.com/about-us/): Firm background, Southern California service model, and leadership overview.
- [Contact](https://www.borowitzclark.com/contact/): Free consultation form and service-area overview.
- [Frequently Asked Questions](https://www.borowitzclark.com/faq/): Short answers to common California bankruptcy questions.

## Practice Areas
- [Chapter 7 Bankruptcy](https://www.borowitzclark.com/practice-areas/chapter-7-bankruptcy/): Chapter 7 basics, common myths, California exemptions, 2025 income limits, and qualification guidance.
- [Chapter 13 Bankruptcy](https://www.borowitzclark.com/practice-areas/chapter-13-bankruptcy/): Chapter 13 overview, repayment-plan basics, and asset-protection considerations.
- [Debt Negotiation](https://www.borowitzclark.com/practice-areas/debt-negotiation/): Overview of debt settlement and negotiation options in California.
- [Student Loan Debt in California](https://www.borowitzclark.com/practice-areas/student-loans/): Student loan discharge overview, DOJ hardship guidance context, and adversary proceeding basics.

## Attorneys
- [Barry E. Borowitz](https://www.borowitzclark.com/attorneys/barry-e-borowitz/): Founding partner; board-certified in consumer bankruptcy.
- [M. Erik Clark](https://www.borowitzclark.com/attorneys/m-erik-clark/): Managing partner; board-certified in consumer bankruptcy.
- [Nancy B. Clark](https://www.borowitzclark.com/attorneys/nancy-b-clark/): Partner focused on consumer bankruptcy matters in California.

## Office and Access
- [West Covina Office](https://www.borowitzclark.com/our-offices/west-covina-bankruptcy-attorney/): Main office address, phone number, hours, and parking directions.
- [Virtual Consultations / Contact](https://www.borowitzclark.com/contact/): Best page for remote intake and initial consultation requests.

## Resources
- [Bankruptcy & Debt Relief Resources](https://www.borowitzclark.com/resources/): External and court-related bankruptcy resources.
- [Blog](https://www.borowitzclark.com/blog/): Consumer bankruptcy, debt, repossession, and credit articles.
- [Testimonials](https://www.borowitzclark.com/testimonials/): Client feedback and experience summaries.

## Language Support
- [Spanish Language Page](https://www.borowitzclark.com/abogados-de-bancarrota-los-angeles-california/): Spanish-language overview of bankruptcy services for Southern California residents.

## Optional / Secondary
- [Site Map](https://www.borowitzclark.com/sitemap/): Broad site index.
- [Collections Threat Level](https://www.borowitzclark.com/collections-threat-level/): Historical reference page; not updated in real time.
- [Privacy Policy](https://www.borowitzclark.com/privacy-policy/): Privacy information.
- [Legal Terms and Conditions](https://www.borowitzclark.com/legal/): Website legal terms.