Professional Oceanside Bankruptcy Lawyers

We Can Help You Get Started in the Right Direction

When debts begin to pile up and creditors start calling, relief can seem far away. Financial problems can easily turn into grief and stress about your home, your business, your wages and your family. Fortunately, there is help, and the option of bankruptcy has helped countless numbers of people discharge their debts, save their homes and find financial relief.

Throughout North County and San Diego County, our attorneys (John Varley, L. Tegan Hurst, and Barrington Daltrey) provide honest advice, helpful answers and dedicated representation to individuals, families and business owners who are struggling through tough financial issues. My name is John Varley and my firm, Financial Law Associates, APC, handles only bankruptcy cases in California. I know what you are going through and take the time to truly get to know your circumstances. Since my clients are already struggling with debt and related financial issues, I have never understood the practice of charging for phone calls or initial consultations. Contact one of our offices in Oceanside or La Mesa to discuss your issues and your options at no charge.

Experienced Carlsbad Debt Relief Attorney

There is a lot of bad and conflicting information out there about bankruptcy, especially on the Internet. Credit card companies and collection agencies are not going to talk to you about your rights and credit counseling agencies, which are technically non-profits but are often funded by credit card companies, are often not much help.

Larger bankruptcy firms offer help, but it may be hard to get the personal attention some clients prefer. My clients often tell me they appreciate the personal access to their attorney, know that they can call me or my staff anytime and get instant answers to their question or concern. Some of the larger firms send "appearance attorneys" to the bankruptcy hearing. Imagine having some other lawyer appear with you who is not even a member of the firm. At your hearing, you will be with me or one of my attorneys that you are already knows your case well prior to the bankruptcy hearing.

At Financial Law Associates, APC, one of your attorney team (me, Tegan or Barrington) will go to court with you and handle each case in person. By knowing the case well, what the strengths and weaknesses are and by anticipating the concerns the trustee may have, it may be possible to get a better outcome and ensure that the client does not step in the wrong direction. Although we are one of the largest firms in San Diego in terms of number of bankruptcy filings per month, our approach is very personal and protective of our clients. Because of this, a large portion of our business comes through referrals from other clients.

Chapter 7 and Chapter 13 Bankruptcy Relief in California

My firm is available seven days a week by phone and six days a week in the office. We are always available to answer questions, and we answer all of our own phone calls. Contact Financial Law Associates, APC, to schedule a free initial consultation at 760-435-1251.