We help people file for bankruptcy relief under the Bankruptcy Code.
Experienced Bankruptcy Attorneys to
Help You Through Financially Difficult Times
Welcome to Alzate and Varley Bankruptcy Attorneys. For years we have worked diligently and successfully for thousands of Californians in eliminating debt. Chapter 7 and Chapter 13 bankruptcy can help individuals avoid foreclosure, stop repossession, and eliminate credit cards, medical bills and other debt. Bankruptcy can help you take care of your family and create a fresh financial future. We make the process as easy and stress free as possible.
How It Works
Please call us right now at 619-463-1800 any time (or fill out this a request for us to call you). You will speak directly and confidentially with one of our bankruptcy attorneys at no charge. We will discuss your options over the phones and email you a summary of the results of our consultation.
If you decide to hire us, the following video describes the bankruptcy process, from the consultation, documents needed, the preparation and filing of your paperwork, the creditors meeting (now online), your bankruptcy discharge and the steps to achieving an excellent credit score.
1: Consultation/ Retain Your Lawyer
You can call us at (619) 463-1800 or request your free consultation (link here) directly with our attorneys (John Varley and Lennie Alzate.) If bankruptcy makes sense and you want to work with us, you can retain us and start the process to file your Chapter 7 or Chapter 13 bankruptcy.
2: Preparation and Filing of your Case
- Gather Documents We will send you an email that indicates the documents we need to prepare a draft of your case. Most of the documents are easy to gather (copy of paystubs or other proof of income, tax return(s), vehicle registration, credit report or list of bills) You can send us copies by email, fax or text message.
- Credit Counseling course – there is a class that is required that you take online and it is easy and impossible to fail. When done they will send us a Certificate of Credit Counseling that we need to file your case.
- Final Review We have a final review over the phone and send you a complete PDF of your bankruptcy papers for us to review together over the phone or zoom. This review meeting usually take about an hour.
- Case Filing – After you review and sign your bankruptcy papers, we file this electronically with the court, and a virtual bankruptcy hearing date is set (for zoom or telephone).
3: Bankruptcy Hearing and Discharge
- Debtor Education Course – Before your hearing, you take another online class called the Debtor Education Course and a copy of your completion certificate is filed with the court.
- Creditor Meeting (aka “hearing") We then attend your creditors meeting with you after first making sure sure you are well prepared.
- Discharge (Chapter 7) – Just over 60 days after the Chapter 7 bankruptcy hearing is the normal discharge and case closing date. or
Confirmation, Payment Period then Discharge (Chapter 13) In a Chapter 13 there is a also a trustee hearing (often 2) that will usually result in your case being “confirmed' usually for a 3 year or 5 year payment plan to repay some of your debt. After that payment plan is complete, in typical cases, you receive your discharge.
4: Fresh Start and Rebuilding Good Credit
This is the really fun part. Now that you have eliminated much or all of your debt, now you can rebuild your credit and move forward with a fresh start. Many of our clients see their credit scores improve by more than 200 points within a year of filing their case. We advise you on how to reestablish your credit easily and powerfully, s that you finance vehicles (often immediately) or finance real estate (in 2 years under FHA or VA) or longer if conventionally financed.
OUR ATTORNEYS
Meet Our Team
BEING HARASSED BY CREDITORS OR WITH A LAWSUIT, REPOSSESSION OR FORECLOSURE?
Call us now and you can have peace of mind by the end of the call
MORE THAN 3,200 SUCCESSFUL BANKRUPTCY CASES FILED BY OUR ATTORNEYS
Our attorneys are admitted to file bankruptcy in numerous jurisdictions throughout the US including CA, NV, OR, WA, TX and WV. Let our years of experience work for you.
Our client's testimonials
John Varley and Lennie are awesome! John helped me through a difficult mess with my divorce several years ago. He was very knowledgeable, organized and walked me through the entire process, returning emails and answering many questions with prompt replies. I recently had to reopen my case to take care of some unforeseen circumstances, yet in less than a few weeks, Lennie and John had them all cleared up! So thankful for their services and would recommend them to anyone who needs some effective, efficient, knowledgeable attorneys!
I want to take a moment and thank you guy for all your help. My experience was nothing short of amazing. Alzate & Varley, Attorneys at Law in my opinion is top notch. The process was explained to me from beginning to end. If you want a law firm that’s professional and provide awesome customer service there it!!!!! Thanks again for all your help.
Incredible experience! John and Lennie are what you hope for when you’re looking for professional work at a great value. I can not say enough good about them and recommend them as highly as possible. NOTE: I provided all of my paperwork quickly so it was filed quickly. Remember, we have our part to play too. 100%!!!
Alzate & Varley helped me a lot. They were so helpful and responsive. I deal with lawyers on a daily basis and believe me one of the struggles working with lawyers are they’re too busy for you. This firm will not make you feel that at all. I highly recommend them.
John is amazing! He helped me get my credit back on track and my finances in order after the loss of a long term job. My credit scores are now “excellent” for Equifax, TransUnion and FICO. If you need help with a BK or credit issues, I highly recommend John and his associates!
A few years back I went thru bankruptcy and I was fortunate enough to be referred to John by a friend.
Real talk John and his team understand the human condition. There was no judgement when I walked thru their doors. They understood how vulnerable and low I felt. John made sure that I understood and was comfortable with every step of the process.
I seriously would recommend John Varley to any friend in need!!!
Alzate & Varley made my Wife and I feel confident at day one we made the right choice on picking them to take care of our BK. They explained everything and made sure to answer all of our Questions, and we had alot! We are so glad to put this BK behind us and we couldn’t of dun it without Alzate & Varley!
Thank you so much!
Very profesional service, John explained everything and made it so simple, helped me with my Chapter 7 Bankruptcy and helped my Parents with Chapter 7 Bankruptcy as well, highly recommended. Will definitely contact John in the future if any of my family members require assistance.
Lennie and John were absolutely great attorneys! This is by far a great place if your in search for an attorney or bankruptcy. Lennie is so sweet and always answered all my calls and questions. She made my whole process through the stressful bankruptcy process easier. They handled all the details and also made sure all my paperwork was filed correctly and included all my debts. I was able to successfully discharge it all. I was very satisfied with their services and would recommend them for anyone looking for someone to get the job done!
John and Lennie are amazing lawyers. I was nervous when it came to even thinking about how to file and they made it very simple. The process was very straight forward and they communicated via e-mail and phone whenever I needed them. I have already referred them to someone else and I will continue to refer them to other people.
Bankruptcy Dischargees
Discharged Debt (Approx)
* estimated as of 3/6/2022
States
Offices
PRACTISE AREAS
How We Can Help
Chapter 7
Elimination of credit card debt, medical debt and unsecured debt, while being able to keep every possession.
Chapter 13
Understanding whether a person is able to make the payments.
Debt Negotiation
Resolving your debt has never been easier. Our dedicated team can help you.
Financial Law Center
Comprised of independent law offices and attorneys throughout the United States, with regional independent law offices in California, Nevada, and Oregon.
