“Over 10,000 Bankruptcy cases filed for consumers and small businesses”


Hi, I am Ron Holland. For most people, declaring bankruptcy is a painful decision. Because this can be such an emotional time in your life, you need an attorney that not only has the experience in bankruptcy, but you also want to find an attorney who is compassionate and understands the real struggles in making this decision. A Roseville Bankruptcy Attorney who will help you see a way out of your financial situation. Your attorney should always ask detailed questions (sometimes difficult ones) to make sure there are no surprises once your case has been filed and the bankruptcy trustee and judge get involved. You should have an attorney that knows the issues that the courts and trustees look for; that knows what types of assets need to be protected so creditors do not take them away from you.

I have over 30 years experience, specifically in the field of Bankruptcy; and I have filed over 10,000 bankruptcy cases. I would like the opportunity to discuss your financial situation and guide you through the bankruptcy process. I will help you determine if filing either a chapter 7 or chapter 13 is the right choice for you and will provide a fresh start for you and your families life.

If you are struggling with credit card bills, collection companies, medical bills, taxes, student loans, foreclosure, repossession, wage garnishment, creditor calls, or any other type of bills, give me a call. Lets meet face to face and discuss what I can do for you. Remember, when putting your future in the hands of an attorney for bankruptcy, EXPERIENCE MATTERS, and that is what I have to offer you.

Ronald Holland represents the following:


A consumer can file bankruptcy if they are struggling to pay their debt. There are lots of reasons that hinders them to pay their debt; it could be from losing their job, having illnesses, got into divorce, or any financial circumstances. Consumers can file either Chapter 7 or Chapter 13, but it also has its pros and cons. If you are a consumer that needs help with bankruptcy, let Attorney Ron Holand assist you in making your decision towards filing a bankruptcy case.

Small Businesses

If you are a small business proprietor and have unmanageable debts, you can file Chapter 7 or Chapter 13 bankruptcy to help you out. However, there are lots of things you have to consider depending on the nature of your business once you file bankruptcy, like how much your debt and what assets you have, and if you still intend to continue running your business.


If you are self-employed and is planning to file bankruptcy under Chapter 7 or Chapter 13, you need to verify the last six months of your business income. The process for getting all the required data to file bankruptcy as a self-employed individual is not at all easy, so you might be looking for an attorney to help you on the way.

Chapter 7 Cases

Chapter 7 of the Bankruptcy Code is for the discharge of debts. When filing chapter 7 bankruptcy, you either pay for or give up your property for secured debts. You surrender any nonexempt property to pay off as much of your other debt as possible. You keep all of your exempt property and are released from any obligation to repay the remaining debt.

One requirement of filing chapter 7 bankruptcy is that you do not have enough income to pay your debts. If the judge presiding over your case finds that you have sufficient income to repay these debts, your case will be dismissed.

Ch 7 bankruptcy is sometimes called straight bankruptcy. Filing chapter 7 bankruptcy usually takes four to six months to complete and typically costs a few hundred dollars in administrative fees plus lawyer costs.

More often than not, you never have to appear in front of a judge. Instead, you will deal with people while sitting at a table in a meeting room. It really is not very difficult to file chapter 7 bankruptcy

Chapter 13 Cases

What type of Bankruptcy to file is not a decision to be taken lightly. Filing Chapter 13 Bankruptcy is for a person that has a goal to repay their debts and has a regular income that can afford to repay the debt with sufficient adjustments to it. Under the Chapter 13 Bankruptcy code, a person will have up to 5 years to pay back the debt under the terms that were agreed on during the bankruptcy process. The attorney that a person hired for Chapter 13 Bankruptcy Information is there to protect the client’s interests but the Bankruptcy Court will handle all supervision.

Want a Fresh Start?