Gary Jay Holt

I was one of those people who bought a house in 2006 at the top of the market and then divorced my husband the following year and incurred all the family debt as a way to get out of a toxic marriage . Although I made good money, I was in way over my head and the bank was about to foreclose on my hom...e. I had an 13 year old son who loved his neighborhood and school and I was desperate to stay in my home. I contacted Gary Holt after a friend recommended him. AJ was my first contact and he quickly summed up my issues. Chapter 13 would save the home eliminate the second mortgage and I would be debt free in 5 years. It is five years later and yesterday I paid my final trustee payment. It is just in time for me to start paying for my son's university education. I am DEBT FREE! Gary and his assistant AJ have been there every step of the way and them more highly. They saved my home and help pave the way for my son's future. And five years later I sent an e-mail 'am I done' and within 15 minutes Gary had returned my message-is that service? I'd say so. Love them both for everything they have done for me.

Gary Holt may be the best BK attorney in San Diego County. I did tons of internet research which lead me to a top LA BK attorney, After my phone consult with the LA attorney he informed that he didn't do cases in San Diego County. After asking if he had any recommendations for a San Diego BK attorne...y the only name that he could recommend was Gary Holt. My wife and I had a very challenging BK, we had too much debt for a CH 13 yet had issues with the means test to qualify for a CH 7 case. Gary still managed to push our case through the system. At our hearing the trustee claimed he was going to recover 75K in what he considered preferential payments but Gary successfully rebutted that attempt with case law. We ultimately did get our CH 7 discharge right on time-line and with it a fresh start.

I am extremely surprised in Gary's professionalism and communication. First, I spoke to Gary explaining my situation on the ph. Then, I scheduled an appointment with him just a few days after our ph call. When I arrived, I was told he wouldn't be in due to Gary needed to be somewhere to wait for some... furniture to be delivered. I gave his office my files, signed his disclaimer and paid him a cash down payment. I kept calling, emailing his staff, and emailing Gary with question's I needed for him to answer, and confirm due to me saving my house through a modification. I gave him money to start my case, yet I never received an email or a call from Gary with an apology for not contacting me with his reasoning’s. Instead, it took Gary two weeks to finally talk (yelling with agitation in his voice) to me over the ph to tell me how to do my modification on my house. Here is a quote by Gary, "I have to hear 100 times over by my clients on how they give money to agencies to save their home and they get ripped off and I'm tired of hearing it". I told Gary, "you are not a modification lawyer, you are a bankruptcy lawyer. I understand your intentions are good, but I hired you to do my bankruptcy, not my modification on my house". He made me feel very patronized by his attitude, which I couldn't figure out why he had one. I am a repeat customer of his and I could have gone to any bk lawyer...their a dime a dozen now a days, but I chose Gary figuring he would want some business. Gary wanted to take the full amount of my down payment to get him started on my case because he claimed that he did $900.00 worth of work. I told him, I believe that no one works for nothing, especially now with our economy, so I would give him half of what I gave him and I will come by to pick up my files and the balance that day. He cut me off and said, "fine!". As I came to the office to pick up my thing's and my check, I mentioned that AJ, his assistant, should receive the money I gave him. AJ was the only proof of any work being done on my file. AJ gave quick responses on my message's to Gary and picked up the phone everytime. Gary, if your reading this, don't lose AJ, he will help keep your business above water. Your lucky to have him! I truely do not know why he acted the way he did, nor even contacted me by an easy way of an email to answer my simple questions. I gave him the benefit of the doubt by thinking he was having a bad day...his action's proved wrong through the whole process. YOU JUST DON'T TREAT PEOPLE IN THIS DAY OF AGE WITH POOR CUSTOMER SERVICE! I am now with a lawyer who has been very communcative in responding to me within a 24 hour period. They are also, less expensive then Gary was. I do wish you, Gary, all the best and peace.

At 69 years of age, filing for bankruptcy is a very traumatic experience. Gary Holt and A.J.Isabello made this experience as comfortable for me as possible with much patience and very clear instructions. This is the first time I have worked with a lawyer who is willing to work with me on paying fees ...for services rendered.