CPA- and MBA-credentialed State Bar #262584 holder Varley Law in Point Loma’s Liberty Station concentrates on consumer bankruptcy, filing Chapter 7 and Chapter 13 petitions across California, Nevada, Oregon, Washington, Texas, and West Virginia. The accounting background converts directly into means-test calculations and income-schedule accuracy — the same tax-return data compiled at SVA Tax Services - San Diego feeds the bankruptcy petition’s Schedule I and J filings. Veteran-owned and committed to serving military members, the practice supports active-duty and retired service personnel navigating debt discharge after deployment-related financial disruption. Post-discharge credit-rebuilding strategies intersect with the long-term financial planning offered at Freebird Financial LLC. The highest-complexity cases involve Chapter 13 wage-earner plans requiring five-year payment restructuring across secured auto loans, mortgage arrears, and priority tax debt.