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Holland Law Group P.A.

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Holland Law Group P.A.

Holland Law Group has helped thousands of individuals and families gain a fresh start.

06/05/2026

Debt has a funny relationship with time. By funny we mean deeply unfunny. ⏰

Here's what happens to most debt problems when you wait:

Credit card debt: minimum payments are engineered to keep you paying for decades. A $15,000 balance at 24% APR on minimums alone will cost you more than $40,000 by the time it's paid off — if it ever is.

IRS debt: penalties compound at 0.5% per month. Interest accrues daily on the outstanding balance. A $20,000 tax debt left alone for two years becomes something significantly larger.

Debt lawsuits: you have 20 days to respond in Florida. After that, default judgment. After that, wage garnishment and bank levies without a trial.

Old debt that might be past the statute of limitations: if you make a payment or acknowledge the debt in writing — in some circumstances the clock resets.

The consistent theme across all of it? Waiting costs money. Waiting costs options. Waiting almost never helps.

One free call this weekend doesn't commit you to anything. It just tells you where you stand — and what your options actually are.

Have a great weekend. We'll be here Monday.

📞 941-744-5450
🌐 www.hollandlaw.com
✅ FREE consultation

06/03/2026

A short list of things that do not work when you owe the IRS. (You're welcome.) 📋

❌ Ignoring the letters
They escalate. Every notice is more serious than the last. Silence is not a strategy the IRS responds well to.

❌ Paying one creditor to avoid paying the IRS
The IRS has collection tools most creditors can only dream about — wage levies, bank account seizures, federal tax liens. They are not the creditor you want to deprioritize.

❌ Trying to hide assets or transfer them to family members
The IRS has seen this. They have forensic accountants. This path leads somewhere significantly worse.

❌ Waiting until things get better financially to deal with it
Penalties compound at 0.5% per month. Interest accrues daily. The balance grows while you wait.

❌ Calling the IRS yourself without knowing your options first
The IRS representative is not your advocate. They are the collector. An attorney who knows the resolution programs available to you is a very different conversation.

Here's what does work: calling Holland Law Group first.

We know the IRS resolution programs, we know how to apply for them correctly, and we know how to negotiate on your behalf.

Have you received an IRS notice recently? Drop a 👇

📞 941-744-5450
🌐 www.hollandlaw.com
✅ FREE consultation
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06/02/2026

Chapter 13 doesn't get enough credit. Let's change that. 💙

Most people know about Chapter 7 — the fresh start that eliminates qualifying debt. But Chapter 13 is a completely different tool that works better for a lot of people's situations.

Here's what it does:

Chapter 13 reorganizes your debt into a manageable 3 to 5 year repayment plan based on your income and expenses. At the end of the plan, remaining qualifying unsecured debt is discharged.

Why someone might choose Chapter 13 over Chapter 7:

→ Their income is above the means test threshold for Chapter 7
→ They have assets they want to protect that Chapter 7 might put at risk
→ They have mortgage arrears they want to catch up on over time
→ They have non-dischargeable debt in Chapter 7 — like certain taxes — that can be managed in a Chapter 13 plan
→ They filed Chapter 7 too recently to file again

Chapter 13 is not a lesser version of bankruptcy. It's a different tool — and for the right situation, it's the more powerful one.

One conversation with our attorneys tells you which chapter — if either — fits your situation.

Has anyone you know been through Chapter 13? Share below 👇

📞 941-744-5450
🌐 www.hollandlaw.com
✅ FREE consultation

06/01/2026

There is an entire industry built around buying your old debt and suing you for it. Time to meet them. 👀

They're called junk debt buyers. Companies like Midland Funding, Portfolio Recovery Associates, Cavalry SPV, and CACH LLC purchase old defaulted debt portfolios from banks and credit card companies — often for pennies on the dollar — and then file lawsuits against consumers to collect the full balance.

Here's why knowing this matters when you're being sued:

→ They have to prove they legally own your debt. The chain of ownership documentation on sold-and-resold accounts is frequently incomplete or missing entirely.
→ They have to prove the amount is correct. Interest and fee calculations on old accounts are wrong more often than you'd think.
→ They have to file before the statute of limitations runs. In Florida that's typically 5 years from default. Many don't.

These aren't loopholes. These are the actual rules of civil litigation — rules that junk debt buyers routinely fail to meet when someone pushes back.

Most defendants don't push back because nobody told them they could.

We're telling you now. 👇

📞 941-744-5450
🌐 www.hollandlaw.com
✅ FREE consultation — no obligation

05/29/2026

If your school lied to you — the law may have something to say about that. 📋

Borrower Defense to Repayment is a federal program that allows student loan borrowers to seek discharge of their federal loans if their school engaged in misconduct that directly led them to take out those loans.

What counts as misconduct:

→ False claims about job placement rates after graduation
→ Misrepresentations about accreditation status
→ Promises about the value or recognition of the degree that weren't true
→ Deceptive recruiting practices that misled you about what you were signing up for

If your school made promises it didn't keep — and you took out loans based on those promises — you may have a legitimate Borrower Defense claim.

This is not a forgiveness program. It is a legal defense mechanism. The distinction matters because the standard of evidence and the process are different. An attorney who understands the difference can help you build a claim that holds up.

The program has been subject to political changes, so timing matters. What's available today may look different in six months.

Has your school experience left you with debt and unanswered questions? Drop a 👇

📞 941-744-5450
🌐 www.hollandlaw.com
✅ FREE consultation

05/28/2026

Genuine plot twist incoming: the debt collector harassing you might owe YOU money. 💰

The Fair Debt Collection Practices Act gives you the right to sue debt collectors who break the law. Not just make them stop — actually sue them.

And they break it constantly.

Here's what earns you damages:

❌ Calls before 8am or after 9pm — illegal
❌ Threatening arrest for debt — illegal. Debt is not a crime.
❌ Lying about how much you owe — illegal
❌ Contacting you directly after you've retained an attorney — illegal
❌ Calling your employer repeatedly — illegal
❌ Using abusive or threatening language — illegal

Each violation: up to $1,000 in statutory damages.
Plus actual damages.
Plus attorney's fees — which means you may pay nothing out of pocket to pursue it.

We've seen clients walk away from FDCPA cases with not just stopped harassment — but a check.

Has a collector crossed the line with you recently? Tell us below 👇

📞 941-744-5450
🌐 www.hollandlaw.com
✅ FREE consultation — no obligation

05/27/2026

Chapter 7 bankruptcy gets a bad reputation it doesn't deserve. Let's clear a few things up. 💙

What Chapter 7 actually does:

It eliminates most unsecured debt — credit cards, medical bills, personal loans, certain judgments — through a legal process called a discharge. Once discharged, those debts are gone. Creditors cannot legally attempt to collect them.

The process typically completes in 3 to 6 months.

What Chapter 7 does NOT do:

It does not eliminate certain debts — including most student loans, recent tax debt, child support, and alimony. It does not automatically mean you lose everything you own.

In Florida, the homestead exemption is one of the strongest in the country — your primary residence is often fully protected. Retirement accounts are typically exempt. A portion of your wages is protected.

Who it works for:

Chapter 7 works best for people with primarily unsecured debt whose income falls below Florida's median — or who can pass the means test another way. If that's not you, Chapter 13 may be a better fit.

One free consultation tells you which chapter applies to your situation — and whether either one does.

Tag someone who needs to hear that bankruptcy isn't what they think it is. 👇

📞 941-744-5450
🌐 www.hollandlaw.com
✅ FREE consultation

05/26/2026

Ignoring a debt lawsuit is a strategy. A bad one. Let us explain. 🙈

When you're served with a civil summons in Florida, you have 20 days to respond. That's it. Twenty days.

If you do nothing — the plaintiff files for a default judgment. The court grants it. And suddenly a debt they still had to prove becomes a court order they can use to:

→ Garnish your wages directly from your paycheck
→ Levy your bank accounts — funds frozen, often with no warning
→ Place a lien on your property

All without ever having to prove the debt in front of a judge.

The frustrating part? A lot of these lawsuits have real defenses. Expired statute of limitations. Incomplete ownership documentation from junk debt buyers. FDCPA violations. Incorrect amounts.

But once a default judgment exists, those defenses become much harder to raise.

The 20-day window is the most important window in a debt lawsuit. Don't let it close.

Have you or someone you know been served and wasn't sure what to do? Drop a 👇

📞 941-744-5450
🌐 www.hollandlaw.com
✅ FREE consultation — no obligation

05/25/2026

Today, we pause to honor the men and women who gave everything in service to this country.

To our veterans, their families, and all who carry the weight of that sacrifice — thank you.

There are no adequate words. Only deep, lasting gratitude.

Holland Law Group will be back in the office tomorrow.

📞 941-744-5450
🌐 www.hollandlaw.com
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05/22/2026

Plot twist: the debt collector harassing you might actually owe YOU money. 💰

The Fair Debt Collection Practices Act — the FDCPA — is a federal law that gives you specific, enforceable rights against debt collectors. And here's the part most people miss:

When a collector violates the FDCPA, you can sue them. Not just make them stop — actually sue them for damages.

Up to $1,000 per violation. Plus actual damages. Plus attorney's fees.

Some violations that happen constantly:

❌ Calling before 8am or after 9pm
❌ Threatening to arrest you — debt is not a criminal matter
❌ Misrepresenting the amount owed
❌ Contacting you directly after you've retained an attorney
❌ Using obscene or threatening language
❌ Calling your employer after being asked to stop

You don't have to tolerate illegal collection behavior. And depending on what's happened, you may already have a claim worth pursuing.

Have a great weekend — and if a collector has been treating you illegally, let's talk.

📞 941-744-5450
🌐 www.hollandlaw.com
✅ FREE consultation

Address

1401 Manatee Avenue W
Bradenton, FL
34205

Opening Hours

Monday	8:30am - 7pm
Tuesday	8:30am - 7pm
Wednesday	8:30am - 7pm
Thursday	8:30am - 7pm
Friday	8:30am - 7pm
Saturday	9am - 3pm

Telephone

+19417445450

Website

https://www.hollandlaw.com/

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