Gary J Holt Attorney/CPA

Title: Gary J Holt Attorney/CPA Area: Bankruptcy Law / California Clicks: 0 Listing added: Jan 3, 2007

PALM SPRINGS 777 E. Tahquitz Canyon Way, Ste. 200 Palm Springs, CA 92262 (760) 416-3080 SAN DIEGO (in Old Town) 2356 Moore St., Ste. 201 San Diego, CA 92110 (619) 692-9254 Whether your debt comes from changes in employment, health or relationship status, let our caring and supportive staff show you how debt relief can give you a fresh start. Chapter 7 or 13 Chapter 7, or "straight" bankruptcy, is for those people whose monthly take-home pay is just enough (or not enough) to cover basic living expenses such as rent, food, car insurance, etc. In other words, there's no money left to pay non-essential debts such as credit cards. Chapter 13, sometimes called "debt consolidation" or "debt reorganization" bankruptcy, is for those who have some money available to pay unsecured creditors - just not enough to satisfy everyone. In those cases, we submit a plan to the bankruptcy court specifying just how much you can afford to pay into your case every month. In most cases, your payment plan does not need to extend for more than 36 to 40 months, and when you successfully complete all of your plan payments, most unsecured debt you weren't able to pay will receive a discharge.