Holland Law Group, P.A.

About Holland Law Group, P.A. — Bankruptcy Miami, Florida

Holland Law Group, P.A. handles bankruptcy Miami cases with a statewide presence that includes a dedicated Miami office, offering Chapter 7 and Chapter 13 filings in the U.S. Bankruptcy Court for the Southern District of Florida alongside debt defense against collection agencies and foreclosure representation. The firm explicitly focuses on affordable fees and has built its practice around clients dealing with major national debt collectors — Portfolio Recovery Associates, LVNV Funding, Midland Funding, Cavalry, Unifund, and others — giving Miami-Dade County residents targeted defense against the most active debt buyers in the consumer collection market.

The firm’s statewide coverage — with additional offices across Florida serving Tampa, Sarasota, Orlando, Fort Myers, Naples, Palm Beach, Jacksonville, and other markets — means Miami-Dade clients who relocate within Florida or have multi-county debt matters can maintain continuity with the same firm. The firm’s direct focus on affordable pricing and debt collector defense reflects the real financial profile of most Miami-Dade bankruptcy clients.

What Clients Say

No client reviews are currently listed for Holland Law Group on this directory. The firm’s specific expertise defending against named national debt collectors — Midland Funding, Portfolio Recovery, Cavalry, and others — is a distinguishing feature that prospective clients can evaluate when comparing bankruptcy and debt defense options in Miami-Dade County.

Bankruptcy Miami — Practice Areas & Services

• Chapter 7 Bankruptcy: Affordable Chapter 7 discharge of unsecured debts — credit cards, medical bills, personal loans — for qualifying Miami-Dade residents seeking a complete financial reset.
• Chapter 13 Bankruptcy: Structured repayment plans that stop foreclosure and allow Miami-Dade homeowners to retain property while catching up on mortgage arrears over 3–5 years.
• Debt Defense Against Collectors: Defense against lawsuits from major debt buyers — Midland Funding, Portfolio Recovery, LVNV Funding, Cavalry — including statute of limitations challenges and debt validation.
• Foreclosure Defense: Legal challenges to foreclosure proceedings in Miami-Dade County, coordinated with bankruptcy filings when the automatic stay provides the fastest relief.
• Creditor Cramdown: Chapter 13 strategy to reduce the principal balance owed on older car loans to current market value — saving Miami-Dade filers money on vehicles through the bankruptcy process.

Frequently Asked Questions

What is a debt buyer and how do I defend against their lawsuit in Miami?

A debt buyer is a company that purchases charged-off consumer debts — typically credit card balances — from original creditors for pennies on the dollar, then sues debtors to collect the full stated balance. In Miami-Dade County courts, debt buyer lawsuits from companies like Midland Funding, Portfolio Recovery, and LVNV Funding are common. Defense strategies include challenging whether the buyer can prove it owns the specific account, whether the statute of limitations has expired under Florida’s five-year limit for written contracts, and whether the amount claimed is accurate. Many Miami-Dade debt buyer suits are dismissed or settled for significantly less than the claimed balance when properly contested.

What is a cramdown and how does it work in Chapter 13 bankruptcy in Miami?

A cramdown allows a Chapter 13 filer in the Southern District of Florida to reduce the principal balance of a car loan to the vehicle’s current fair market value when the loan was taken out more than 910 days before filing. For example, if a Miami-Dade filer owes $15,000 on a car worth $9,000, a cramdown reduces the secured claim to $9,000 — the remaining $6,000 becomes an unsecured claim that may receive cents on the dollar in the Chapter 13 plan. This strategy saves Miami-Dade filers significant money on upside-down vehicle loans during the bankruptcy process.

Can bankruptcy stop a wage garnishment from a debt collector in Florida?

Yes. The automatic stay under 11 U.S.C. § 362 halts all wage garnishments immediately upon filing bankruptcy in the Southern District of Florida — including garnishments from debt buyer judgments. Miami-Dade employers are legally required to stop withholding once notified of the bankruptcy filing. Wages garnished after the petition date but before the employer receives notice may be recoverable. Funds already garnished before the petition was filed generally cannot be reclaimed through bankruptcy alone, though they may be challengeable through the garnishment process itself.