Debt Consolidation in Pennsylvania

We understand. We help people like you every day get out of debt.

We Can

Stop harassing phone callsConsolidate Your LoansHelp rebuild your creditCreate the lowest payment possible

Getting Out of Debt Can Be Easy

If you are looking for debt consolidation, we can help you. Getting out of debt is easy when you utilize the right company. Harold Shepley & Associates, LLC is a full-service debt relief law firm. We can set up a low monthly payment and negotiate away your debt to help you avoid bankruptcy.

At Harold Shepley & Associates, we can protect you legally and stop harassing phone calls. If you want a simple low payment debt consolidation solution, then it’s time to click or call. Visit our Contact page or call us at 877-827-9006.

Your creditors have attorneys working for them. Isn’t it time you had an experienced, debt-relief law firm working for you?

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How are We Different?

Other Firms

Have you pay the full amount of debt at a Lower interest rate

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We use debt consolidation to create the lowest payment possible.

Have debt problems? We have debt solutions. Act Now!

What is Debt Consolidation?

Debt Consolidation combines multiple debts together under a single payment. At Harold Shepley & Associates, we use your consolidated debt and create the lowest payment possible helping you to get out of debt in the shortest amount of time. 

The goal of debt consolidation is to make your debt payments manageable and save you money. It can be a sound approach to achieving financial health but should be approached carefully and with expert guidance.

Using a 0% interest balance transfer credit card may seem tempting, but what will happen to your debt and monthly payments if you can’t pay off your debt during the promotional period? Your new balance could sky rocket with an interest rate of 29% or more creating an unaffordable monthly payment.

Another debt consolidation option is taking out a home equity or 401K loan, but this could put your home or retirement at risk. If you lose your job or some other circumstance reduces your income and you are unable to make payments, you could lose your home or life savings.

This is why debt consolidation with Harold Shepley & Associates is the safest most affordable way to get out of debt and avoid filing bankruptcy.

We understand. We help people like you every day get out of debt.

You Deserve the Guidance of a Full-Service Debt Relief Law Firm

At Harold Shepley & Associates, we are a full-service debt relief law firm. We’re not trying to “sell” you on a single solution; instead, we work with you to find the best solution for you and your family.


Our options include debt negotiation, bankruptcy, and addressing credit report errors. We approach matters like debt relief and credit repair from a Christian perspective and help you regain a solid financial footing.


 When it comes to dealing with debt, you’re not alone, and you do have the law on your side.


The choice to escape debt is up to you. Isn’t it time you stepped out of your problem and into a solution? Harold Shepley & Associates, LLC can help get your financial world back on track. Call us today at 877-827-9006 or schedule a FREE consultation online. We’re here to help.

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Start your Debt Relief Journey Today!