Holland Law Group P.A.

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

Your student loan servicer is required by law to help you. Many aren't doing that. 📋 Federal investigations and class ac...
06/18/2026

Your student loan servicer is required by law to help you. Many aren't doing that. 📋

Federal investigations and class action lawsuits have documented widespread failures by major loan servicers — the companies responsible for managing your repayment.

Here's what servicers have been caught doing:

→ Not telling borrowers about income-driven repayment options that would have significantly reduced their payment
→ Auto-enrolling borrowers into expensive forbearance instead — causing unnecessary interest to capitalize
→ Miscounting qualifying payments toward Public Service Loan Forgiveness
→ Misapplying payments so the principal didn't reduce correctly
→ Providing wrong information about PSLF eligibility — causing borrowers to miss qualification windows
→ Botching IDR recertification timing and causing borrowers to lose plan eligibility

These aren't isolated mistakes. They are documented systemic failures — and they have cost borrowers thousands of dollars and years of repayment progress.

If you think your servicer may have made errors on your account — contact them directly to request a full payment history and account review. You have the right to that information.

Have you ever experienced problems with your loan servicer? Drop a 👇

📞 941-744-5450
🌐 www.hollandlaw.com

Most people don't realize the IRS can remove your penalties — and more people qualify than you'd think. 💡 When the IRS a...
06/17/2026

Most people don't realize the IRS can remove your penalties — and more people qualify than you'd think. 💡

When the IRS assesses a tax liability, the penalties stack up fast.

The failure-to-file penalty alone is 5% of unpaid taxes per month — up to 25% of your total balance. Add the failure-to-pay penalty at another 0.5% per month, plus daily compounding interest, and a manageable debt can grow into something far more serious in a short period of time.

Here's what most taxpayers don't know:

There are two formal programs to request removal of those penalties.

FIRST-TIME PENALTY ABATEMENT
If you have a clean compliance history — filed and paid on time for the three years before the penalty year — you may qualify. This can remove substantial penalties entirely, regardless of why you were late.

REASONABLE CAUSE ABATEMENT
If your failure to comply was due to circumstances beyond your control — a serious illness, a natural disaster, the death of an immediate family member, or even incorrect advice provided by the IRS itself — you may qualify for removal based on reasonable cause.

Neither program removes the underlying tax or interest. But removing the penalties can meaningfully reduce the total balance.

Both require proper documentation and presentation to be successful — which is exactly where we come in. Our federal tax debt defense attorneys file these requests regularly. We know what the IRS looks for.

Have you ever been hit with IRS penalties and not known this was an option? Drop a 👇

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

⚠️ If you're on the SAVE student loan repayment plan here’s what you need to know: The SAVE plan is ending as part of ...
06/16/2026

⚠️ If you're on the SAVE student loan repayment plan here’s what you need to know:



The SAVE plan is ending as part of the recently passed One Big Beautiful Bill Act. Approximately 7 million borrowers are enrolled right now, and if you haven't switched plans, the government will switch it for you — automatically moving you to standard repayment.



Standard repayment means higher monthly payments. For many borrowers, significantly higher.



And if you can't afford that new payment and don't take action in time — you could find yourself on the path to default.



Default on federal student loans has real consequences:

→ Damaged credit

→ Wage garnishment

→ Tax refund seizure

→ Loss of future federal financial aid eligibility



Here's what we want you to do before any of that happens:



Call us. Let's talk through your options, figure out which surviving repayment plan makes sense for your situation, and make sure you're protected before the deadline hits.



You have time — but not much. Don't wait until you're already in trouble.



Drop a 👇 if this applies to you or someone you know.



📞 941-744-5450

🌐 www.hollandlaw.com

✅ FREE consultation — call today

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Did you know that old debt doesn't last forever? ⏰ In Florida, most types of consumer debt have a limited window durin...
06/15/2026

Did you know that old debt doesn't last forever? ⏰



In Florida, most types of consumer debt have a limited window during which legal action can be pursued. After that window closes, collectors still exist — but their options become significantly more limited.



A lot of people don't know this. And debt collectors are counting on that.



If you've been getting calls or letters about a debt that feels like it's from a long time ago — it may be worth understanding your rights before you respond to anything.



Not every old debt situation is the same, and the details matter. That's exactly what a free consultation is for — to help you understand where things actually stand.



What questions do you have about old debt? Drop them below 👇



📞 941-744-5450

🌐 www.hollandlaw.com

✅ FREE consultation — no obligation

One of the most common questions we get: what actually happens after bankruptcy? 💙 The answer is usually better than peo...
06/09/2026

One of the most common questions we get: what actually happens after bankruptcy? 💙

The answer is usually better than people expect.

Immediately after discharge:

The debts included in your bankruptcy are legally eliminated. Creditors cannot call, write, or sue you to collect them. The automatic stay that protected you during the case becomes permanent as to those debts.

In the months after discharge:

Your credit report will reflect the bankruptcy — Chapter 7 for 10 years, Chapter 13 for 7 years from the filing date. This sounds daunting. Here's the reality: most clients begin rebuilding credit within the first year. Secured credit cards, credit-builder loans, and responsible new credit opened after discharge all contribute to recovery.

Many clients report qualifying for auto loans within 12 to 24 months of discharge. Mortgage eligibility, depending on the loan type, typically begins 2 to 4 years post-discharge.

What clients consistently tell us:

The thing they didn't expect wasn't how hard rebuilding was. It was how much lighter everything felt once the process was complete. The calls stopped. The dread went away. They could think clearly again.

Financial recovery after bankruptcy is real and it is achievable. We've seen it hundreds of times.

Has anyone you know rebuilt after bankruptcy? Share below 👇

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

Pop quiz: which of these is a debt collector actually allowed to do? 🚨 A) Call you at 6am on a MondayB) Tell your employ...
06/08/2026

Pop quiz: which of these is a debt collector actually allowed to do? 🚨

A) Call you at 6am on a Monday
B) Tell your employer you owe money
C) Threaten to have you arrested
D) Send you a letter saying you have 30 days to dispute the debt

If you said D — congratulations. That's the only legal one.

The Fair Debt Collection Practices Act is a federal law with teeth, and collectors break it constantly. Here's what's off-limits:

❌ Calling before 8am or after 9pm
❌ Contacting your employer or third parties about your debt
❌ Threatening arrest — debt is a civil matter, not criminal
❌ Using obscene or threatening language
❌ Misrepresenting the amount owed or who they are
❌ Continuing to contact you after you request they stop in writing

Here's the part collectors hope you don't know: each violation can entitle you to up to $1,000 in statutory damages plus attorney's fees — meaning it may cost you nothing to pursue.

Has a collector crossed any of these lines with you? Drop a 👇 — it may be worth more than you think.

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

Debt has a funny relationship with time. By funny we mean deeply unfunny. ⏰ Here's what happens to most debt problems wh...
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

A short list of things that do not work when you owe the IRS. (You're welcome.) 📋 ❌ Ignoring the lettersThey escalate. E...
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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Chapter 13 doesn't get enough credit. Let's change that. 💙 Most people know about Chapter 7 — the fresh start that elimi...
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

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

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

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