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  • It was truly a blessing to have you in my corner during this challenging time.

    “Dear Mr. Holland, Just a quick note to express a heartfelt THANK YOU for all your support and wisdom in my case. It was truly a blessing to have you in my corner during this challenging time. I wish ...”

    - Nisse
  • A big thank you !

    “A big thank you for your expertise and guidance in getting my trust organized. You have a warm and friendly team and I appreciate all!”

    - Michelle M.
  • Finally financial freedom and less stress!

    “Finally financial freedom and less stress! Thank you so much to you and Mr. Holland for being there for me every step of the way.”

    - Crystal F.
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    “We are so thankful for this moment! What an absolute blessing having the opportunity to be involved in shaping this child's future. We would not have been given this opportunity without your ...”

    - Terri A.
  • Thank You for the Outstanding Legal Services

    “I wish to thank you for the outstanding legal services!”

    - Robin G.

How We Can Help

Our Services

Santa Maria Bankruptcy Lawyer

Bankruptcy Services

If you are struggling to stay financially afloat due to unmanageable debt, you are probably feeling a great deal of stress and anxiety over your ability to provide for your family. If this is the case, you may be able to start financially anew by filing for bankruptcy.

The Law Offices of R. Morgan Holland, L.C., can advise and guide you through the entire process. With our help, debt relief could be within your reach.

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How Can Bankruptcy Help Me Resolve My Debt?

Our Santa Maria bankruptcy lawyer has 30+ years of legal experience and has handled thousands of cases, including bankruptcy matters. We can carefully look into your financial situation and recommend which form of bankruptcy is right for you and your family.

Our bankruptcy attorney in Santa Maria can help you file for any of the following kinds of bankruptcy:

  • Chapter 7 (liquidation) – This bankruptcy is also known as liquidation bankruptcy because it allows for the liquidation of your nonexempt assets to pay off your debts. You must meet certain income qualifications to be eligible for Chapter 7 bankruptcy. In most cases, our clients are able to keep all of their assets and still receive a discharge of their debts.

Our team in Santa Maria can guide you through the entire bankruptcy process, including helping you with filing all the necessary paperwork so you never feel overwhelmed or confused about your options. When you entrust your bankruptcy matter to us, you can feel peace of mind in knowing that your case is in good hands.

How Can Bankruptcy Help Me Regain Control of My Life?

Bankruptcy has many benefits other than debt resolution. Filing for bankruptcy can also be the first step for regaining control of your finances and your life. Filing gives the debtor an opportunity to be relieved from the constant harassing phone calls from creditors and credit agencies, avoid foreclosure, and more. It is important to consult with a Santa Maria bankruptcy attorney to ensure the best option for your situation and understand if you meet qualifications.

When you file for bankruptcy, an automatic stay is immediately implemented. The automatic stay stops most collection efforts from your debtors, including:

  • Harassing communications
  • Foreclosure
  • Wage garnishments
  • Repossessions
  • Utility disconnection

If you need to save your home or car, stop a garnishment of your paycheck, or want to end constant phone calls from creditors, bankruptcy may be the right choice for you.

Learn more about bankruptcy benefits on our FAQ page.

What Debts Can or Cannot Be Discharged in Bankruptcy?

While bankruptcy does provide an effective way to discharge most of your debts, there are certain types of debts that cannot be discharged.

Debts that can be discharged in bankruptcy:

  • Medical bills
  • Credit card bills
  • Personal loans
  • Collection agency accounts
  • Past due utility bills
  • Car accident debts
  • Civil court judgments

Debts that cannot be discharged in bankruptcy:

  • Alimony
  • Child support
  • Certain tax debts such as liens
  • Penalties from causing injury or death in drunk driving cases
  • Criminal penalties and fines

Discuss your concerns and questions with our law firm's experienced Santa Maria bankruptcy lawyer for more information about your specific debts.

Let Our Bankruptcy Attorney Help You Find a Solution to Your Debt

Our firm understands that if you are contemplating filing for bankruptcy, you are probably concerned about the financial cost of retaining legal representation. This is why we proudly offer all our clients a complimentary case analysis with our legal team. This 30-minute, in-person meeting allows us to explain a person's legal options while also providing them with an estimated timeframe and cost for their case.

For the results-driven and reliable legal guidance you need for your bankruptcy case, please do not hesitate to get in touch with us as soon as possible.

What We Can Offer You

  • Timely & Effective Resolution
  • Litigation Representation
  • High-Quality Legal Counsel
  • Thorough Case Evaluations