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


The types of debt we usually see involve mortgage debt, vehicle debt, tax debt (IRS and CA), credit cards, medical bills, old utility bills, student loans, old rental debt, business debt, including terminated leases and vendor debt, and a host of other debt trouble that people get into. At Holland Law Firm, we can give you the best possible solutions for your debt or help you with filing bankruptcy.

Find More About Our Cases

Creditor Harassment

If you’re currently behind with your debt payments or have ever missed a payment in the past, then you likely know that creditors can be quick to start hounding you for payment. In fact, you’ve probably had at least one creditor go a bit overboard by calling you multiple times per day, at odd times, or even trying to get a hold of you at work.

Even before you file for bankruptcy, Federal & State laws protect you from overzealous creditors and debt collectors. We can assist you by teaching you how to know when such a legal violation has occurred, how to obtain admissible evidence that such violation occurred, and we can represent you in action filed against such a creditor in either State or Federal Court for their violation(s) of said laws.

Garnishment & Levy

IRS Garnishment

Each year, thousands of people face an IRS Garnishment (levy). As the old saying goes, in life, only two things are certain: death and taxes. Unfortunately, it seems that Benjamin Franklin was really on to something. As a citizen, legal resident, or non-immigrant tax resident of the United States, you have to pay your taxes.

If you owe the IRS money, there is no easy way out of it. You can’t just avoid filing your taxes and hope that the IRS won’t notice. While that may work for awhile, the IRS will discover the debt. Once they discover the debt, they will take action to retrieve what they are owed.

How to Stop IRS Garnishment Before It Begins

When a person hasn’t paid their taxes, the IRS will send them a ‘Notice and Demand for Payment.” If this notice doesn’t get the taxpayer moving, the IRS will send a “Notice of Levy.” After the final notice has been sent, the taxpayer has 30 days to pay their debt or have their wages garnished. Taxpayers also have the right to ask for a hearing during this period.

Most states allow the IRS to garnish 25% of a person’s disposable income. This amount may be less if the individual makes under a certain amount or lives in a state with a lower garnishment allowance.

To stop IRS garnishment, you will want to act as soon as you receive the first notice from the IRS. This is the best time to seek the help of a professional. An experienced professional will be able to intervene on your behalf and negotiate with the IRS. A tax lawyer or specialist may be able to negotiate a preferable payment plan or convince the IRS to drop the garnishment altogether.

Will the IRS Be Willing to Negotiate an IRS Garnishment?

After being contacted by the IRS, it’s important to remember that the government does not necessarily want to garnish your wages. Garnishing a person’s wages is a hassle. They do, however, want the money they are owed. If a debtor just ignores the IRS, the government will be forced to recover their money through a wage garnishment.

Fortunately, if you make an effort to contact the IRS about your IRS garnishment, or better yet, have a professional contact the organization on your behalf, they will be willing to negotiate. Tax specialists know how to communicate and work with the IRS. They understand the ins and outs of the laws concerning wage garnishment.

Can IRS Garnishment Be Stopped Once It Starts?

A tax specialist may also be able to stop an IRS garnishment after it has begun. To do this, tax specialists will negotiate a different payment plan or settle the debt for less than what was owed. Once an agreement has been made, the IRS will send your employer a formal notification asking them to discontinue the garnishment.

If you are facing a garnishment, it’s important to contact a professional that can help. When dealing with an IRS garnishment, ignoring the situation will not make it better. The only way to improve your situation is to face an IRS garnishment with an experienced professional at your side.

Preventing Foreclosure

Preventing the bank from foreclosing on your home is not a simple proposition, particularly if you are attempting to negotiate or modify the terms of your mortgage loan with your bank or lender without the help of an experienced foreclosure specialist. Fear not, Attorney Ron Holland is here to help. While your residence is just another house to your bank, we understand it represents a “home” for you and your family! Attorney Ron Holland will ensure everything possible is done to keep you and your family in your hard earned home.

Mortgage Foreclosure Laws
The laws regulating home loans are different throughout the country, with Texas foreclosure prevention laws varying from laws regulating the terms of home loan defaults in New York, New Jersey, Virginia, or even Georgia. The nuances and idiosyncrasies between state laws underpin the importance of working with a mortgage loan negotiation company familiar with the laws and regulations in your state. While the largest volume of home loan defaults may be occurring in California, Colorado, and Nevada, the entire nation is facing a crisis of epic proportions. Rest assured, You are not alone in your struggles!

Chapter 7 Bankruptcy

filing for individuals, couples and small businesses. This service is offered for the Eastern District of California. Helping people with their debt problems since 1982.

Chapter 13 Bankruptcy

filing for individuals, couples and small businesses. This service is offered for the Eastern District of California. Helping people with their debt problems since 1982.

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.

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.

I cover these areas:

Roseville Rocklin Auburn Citrus Heights Antelope North Highlands Granite Bay Fair Oaks Carmichael Sacramento Folsom Rancho Cordova