California Center for Bankruptcy Law, APC

California Center for Bankruptcy Law is dedicated to providing the highest quality debt solutions whether bankruptcy or debt negotiation.

Contact Us

Firm Overview

Over 20 years consumer bankruptcy experience.

We provide individualized debt solutions from debt negotiation to chapter 7 and chapter 13 bankruptcy.

If your income tax debt is over 3 years old, it may be dischargeable.

We analyze student loans for repayment options under the government's Income Based Repayment plans. Student loan discharge of debt is available in bankruptcy if you qualify under the hardship provisions of section 523(a)(8) of the bankruptcy code.

Find out where you stand financially today. Let us guide you to the best solution for your debt problems. We have helped thousands. Let us help you.
Main Office

Main Office
16633 Ventura Blvd.
Suite 1200
Encino  CA  91436

Phone
  • 818-224-4500
Fax
  • 818-942-6085

Fees

Free Initial Consultation?

Yes, free initial consultation

Services Offered For Fixed Fees?

Fixed low fees for Chapter 7, Chapter 13 and debt negotiation. Payment plans available.

Office Information

Office Hours

9 a.m. - 6 p.m. Weekend and evening available

Office Manager

Laura Castellon; Managing Attorney -- James Beirne

Emergency After Hours

Yes

Languages Spoken

English, Espanol

Other Offices

  • Offices located thoughout Los Angeles County

    Offices located thoughout Los Angeles County
Bankruptcy
Chapter 7 Consumer bankruptcy
Chapter 13 bankruptcy
Debt negotiation
Lien strips of underwater 2nd mortgages
Discharge of income tax (due at least 3 years)
Student loan advising and litigation
Stop garnishments, stop IRS levies, Save house, car, etc
The California Center for Bankruptcy Law, APC gives each client an individualized review and solutions to your particular financial situation.

You will be met at our office by an attorney who will suggest the best possible means of dealing with your debt problems. That could include Chapter 7 bankruptcy, Chapter 13 bankruptcy, or debt negotiation.

Your consultation is free. You will have a complete picture of your financial situation and concrete steps going forward. You may need the fresh start that bankruptcy provides. Or you may need someone to negotiate with your creditors. Find out today. Get on the road to financial freedom.

How did your firm decide on the primary area of practice(s)?

At the California Center for Bankruptcy Law we have a goal to make sure every client gets specific, individualized attention from attorney and staff alike.

For over 20 years we have given competent, timely advise to our over 5,000 clients. After reviewing your financial situation including debts, income, assets and goal we will offer you a course of action. If we believe that a fresh start in bankruptcy is the best solution then we will get you through the process as painlessly as possible.

EXAMPLE: CHAPTER 7 Client has $35,000 in credit card debt, $4,300 a month in income and a car payment of $507 for the next 48 months. Client has outstanding IRS debt of $12,000 from 2009 taxes that were filed on time. Client has one dependent. Client has $3,500 in the bank, an IRA of $28,000, and a 401k at work worth $30,000. In Chapter 7 the client gets to keep all of his exempt assets and the assets above would be exempt in California. Client would discharge the credit card debt and the amount owing the IRS. Client would continue to make payments on the car if they wanted to keep the car or would merely turn the car over to the dealer with no deficiency owed.

CHOREOGRAPHY -- Once you file for bankruptcy protection, then there is meeting with the chapter 7 trustee who asks about assets and liabilities. Then the clerk of the court waits 60 days and can then send the client a discharge of their debts.

EXAMPLE CHAPTER 13---Client is 4 months behind on mortgage payments and has received a NOD (notice of default). Client has $45,000 in credit card debt. Also, client has a three year old car worth $10,000 but still owes $15,000 in car payments. The current car payment is $456/month and the current mortgage payment is $1,855. Depending on income, the client could clean up their finances with a Chapter 13 plan of reorganization. They could payoff the car for as little as $166/month and pay the mortgage arrears with a payment of $123-$206 per month depending on the length of the Chapter 13 plan. So, for less than the current car payment they could pay off the arrears on the mortgage and payoff the car and discharge $45,000 in credit card debt. Chapter 13 is a very powerful tool.
Also, if you are underwater on your first mortgage, but have a 2nd mortgage or a HELOC, then you can "strip off" that lien. That mean that the 2nd mortgage/HELOC goes away at the end of your Chapter 13 plan.

What experience or education distinguishes your lawyers from others

James Beirne of the California Center for Bankruptcy Law has over 20 years experience in consumer bankruptcy protection.

James Beirne belongs to the National Association of Consumer Bankruptcy Attorneys (NACBA).

James Beirne is a Charter Member of the Central District Consumer Bankruptcy Attorneys Association.

Our firm has received commendations from the United States Bankruptcy Court for its work on the Debtor Assistance Project.

What distinguishes your law firm from others?

You are going to receive individualized attention from our staff. Your initial meeting will be with an attorney who will listen to your situation and will suggest the best course of action.

At any point in the process you have questions you are encouraged to call our office where an attorney will give you the answers you need.

Don't be a number. Get individual plan and advise.

We are here to help you discover a new financial freedom.

James Beirne

Formerly with the City of Los Angeles, Jim Beirne is a twenty year practitioner of consumer bankruptcy. He is a member of NACBA, the National Association of Consumer Bankruptcy Attorneys and is a charter member of the Central District Consumer Bankruptcy Attorneys Association. With thousands of successful bankruptcy cases and successful student loan litigation the California Center for Bankruptcy Law, APC is ready to solve your debt problems.
License
  • Bar Number: 163755
    California , 1993
  • Bar Number: 7989
    Nevada , 2003
Education
  • Southwestern University School of Law
    Juris Doctor , 1992
    Article, "The Future of Yosemite"
  • University of Oregon
    Bachelors of Science , 1987
    Rugby Team 1st XV

James Beirne

Over 20 years of consumer bankruptcy experience.

Member of the California and Nevada State Bars

Member of all federal district courts in California and Nevada.

Member of the Ninth Circuit court of appeals.

Graduate of the University of Oregon and Southwestern University School of Law 1992.

Over 5,000 successful bankruptcies.


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