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.

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.

I originally started with another lawyer in handling my Bankruptcy which wound up a disaster. When I was recommended to Gary Holt I was very confused and irritated that after almost 6 months I learned that my case had been dismissed and I was not even aware of it. Gary took control of the situa...tion, walked me through step by step and guided me along the way as to what was transpiring and what to expect next. I was so relieved that after 90 days it had been handled and I was back on the road to financial recovery. I cant explian in words how much Gary and his staff have meant to my peace of mind goin through what I consider to be one of the hardest things I have ever faced. My "hat is off" to Gary, and his assistants A.J. and Steve. Thank you very much.