Rosland Capital Filed Chapter 11: What Gold IRA Holders Should Actually Do

Rosland Capital LLC filed for Chapter 11 bankruptcy on July 2, 2026. According to the court filing, roughly 617 customers are owed at least $60 million in undelivered orders and repurchase obligations. The company has terminated nearly all employees, holds no precious-metals inventory, and is under investigation by both the SEC (over its precious-metals IRA business) and the New York Attorney General (over sales practices).

If you’re a Rosland customer, or a Rosland IRA holder, the metal your IRA custodian is supposed to be holding for you and the money you paid Rosland for undelivered orders are two very different problems. Here is exactly how they differ and what to do this week.

What actually happened at Rosland

Rosland ran a “sell first, buy later” model. When a customer paid, Rosland did not ship metal from an existing vault. It took the payment, then went to a wholesaler to buy the metal. That works when gold prices are flat.

Gold ran from roughly $1,500–$2,000/oz in 2023 (per LBMA and Kitco historical fix data) to around $4,300 by late 2025, peaking near $5,620 in January 2026. Every order that sat in the queue got more expensive to fill than the customer had paid. Rosland could not close the gap. The result was a months-long backlog of unfulfilled orders, and eventually a Chapter 11 filing that reads as a liquidation, not a reorganization.

What most people get wrong about this story: they assume “gold IRA bankruptcy” means the metal in their IRA is gone. In most cases it is not, because the dealer that sold you the metal is a different entity from the custodian that holds it and the depository that stores it. The Rosland collapse hits three groups very differently.

Which bucket are you in?

Bucket 1 — You paid Rosland but never received your metal (or the cash from a buyback)

This is the group most exposed. You are an unsecured creditor in the Chapter 11 case. That means:

• You file a proof of claim in the bankruptcy court once the deadline is set.
• You wait in line with the other ~617 customers against whatever remaining assets the estate can produce.
• Historically, unsecured creditors in precious-metals-dealer bankruptcies recover a fraction of what they were owed, and the process runs 12–36 months.
• If your purchase was made with a credit card in the last 60–120 days, initiate a chargeback with your card issuer immediately. That route is much faster than the bankruptcy court and is often the only real recovery path for recent buyers.

Bucket 2 — Your Rosland-facilitated IRA holds metal already at a custodian and depository

This is the most common Rosland IRA setup and it is a very different situation from Bucket 1. The metal in an IRS-compliant gold IRA is held by a qualified custodian (Equity Trust, STRATA, GoldStar, Kingdom Trust, etc.), and the metal itself sits at a depository (Delaware Depository, Brink’s, IDS, etc.).

• The dealer’s bankruptcy does not, by itself, put the metal at risk. The custodian and depository are separate regulated entities.
• Log into your custodian’s portal directly and confirm the metal is showing on your statement.
• If the custodian portal matches your Rosland statements, your IRA position is intact. Rosland is just the salesperson who set the transaction up. The account itself lives elsewhere.
• Your next decision is whether to transfer the IRA to a different dealer relationship for future purchases and buybacks, not whether to panic-sell.

Bucket 3 — You bought from Rosland and took physical delivery

You already have the metal. Rosland’s bankruptcy has no direct impact on what you hold. The only follow-through is: if you were counting on Rosland to buy the metal back at some future date under a repurchase program, that program is dead. Plan on selling into the broader market when you sell.

The three actions to take this week

1. Identify your bucket. Pull your Rosland paperwork and figure out whether you have unfulfilled orders, an IRA at a custodian, or metal in hand. The response is different for each.

2. If IRA: verify with the custodian directly. Do not rely on any statement Rosland sent. Log into the custodian’s own portal or call the custodian’s number from the custodian’s website (not from Rosland’s paperwork). Confirm the account, the holdings, and the depository. If any of it doesn’t match, that is the emergency. Surface it to the custodian immediately.

3. If unfulfilled order: chargeback first, proof of claim second. Credit card issuers can reverse a charge much faster than a bankruptcy court can pay a claim. Chargebacks have time limits, usually 60–120 days depending on the card issuer. Check with your issuer directly.

Why the “sell first, buy later” model was the actual problem

Every dealer takes some price risk between when a customer pays and when the dealer’s inventory is topped back up. Well-run dealers hedge that gap (forward contracts, live pricing at the moment of order, or holding physical inventory sized to the flow). Rosland’s model was structurally exposed to a rising gold market: the exact market environment we’ve been in for two years.

The lesson for anyone shopping for a dealer or a gold IRA setup right now: ask how the dealer prices orders (locked at the moment of purchase, or later?), whether they hold inventory or source per-order, and how a repurchase program works when they are the only bidder. A dealer that can’t answer those three cleanly is running Rosland’s model with a different logo.

The regulatory angle worth watching

The SEC investigation is specifically about Rosland’s precious-metals IRA business. The New York AG investigation is about sales practices. Whatever comes out of either is likely to reshape how IRA dealers are allowed to market and price. If you are shopping IRA dealers now, ask directly whether the dealer is a subject of a state or federal investigation. Most reputable dealers will answer that question in writing.

Bottom line

Rosland’s bankruptcy is a real event with real losses for the ~617 customers with unfulfilled orders. But for most gold IRA holders whose metal is already at a custodian and a depository, the correct response is verification, not liquidation. Identify your bucket, verify with the custodian directly, and only pull the emergency lever if the custodian statement actually disagrees with what you thought you owned.

Frequently Asked Questions

Is my gold IRA safe if Rosland Capital goes bankrupt?

In most cases, yes. The metal in an IRS-compliant gold IRA is held by a qualified custodian and stored at a depository, and both are separate regulated entities from the dealer. Rosland’s Chapter 11 filing does not, by itself, put that metal at risk. The correct next step is to log into your custodian’s portal directly (not through anything Rosland provided) and confirm your holdings match your statements.

How do I file a claim against Rosland Capital in bankruptcy?

File a proof of claim with the bankruptcy court once the deadline is set. You will be an unsecured creditor alongside the other ~617 customers. Historically, unsecured creditors in precious-metals dealer bankruptcies recover a fraction of what they were owed, over 12 to 36 months.

Can I chargeback a Rosland Capital purchase on my credit card?

If you paid by credit card recently, contact your card issuer immediately about a dispute. Chargeback windows are usually 60 to 120 days depending on the card issuer. Check with your issuer directly. This route is much faster than the bankruptcy court and is often the only real recovery path for recent buyers.

Are other gold IRA dealers being investigated by the SEC?

The SEC investigation is specifically about Rosland’s precious-metals IRA business. The New York Attorney General is looking at Rosland’s sales practices. If you are shopping IRA dealers now, ask directly whether the dealer is a subject of a state or federal investigation. Most reputable dealers will answer in writing.

If you are choosing a new dealer relationship

Rosland’s collapse does not mean the metal already sitting at your custodian is at risk, but it does end whatever buyback or future-purchase relationship you had with the dealer. If you are evaluating where to place that relationship next, start with the fee and process comparisons in our Gold IRA company rankings and our Gold IRA cost and fee breakdown. If you are also reviewing where the metal itself is held, the Self-Directed IRA Custodian Guide 2026 covers how custodians and depositories differ from the dealer who sold you the metal. Whichever direction you go, run the pricing, inventory, and repurchase questions above before you move any money.

Disclosure: SilverGoldInvestment.com is a publisher, not a dealer, custodian, or depository. We do not sell, ship, or store precious metals. Some links on this page are advertising partnerships and we may receive compensation if you request information through them. This does not change what you pay, is not a recommendation to buy, and is not a statement about any company’s financial condition. Nothing here is investment, tax, or legal advice.