Harold’s Debt Relief Story

Have you tried talking to your creditors but they won't listen?
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Why should a law firm negotiate your debt? At Harold Shepley & Associates we employ all legal means available to stop harassing phone calls and letters. We want to work out a fair solution with your creditors – but, we will sue them if necessary. Sometimes, creditors will violate your rights simply because they can. 

You see, I have been through the same gambit of emotions that you’re currently going through. You’re barely able to put food on the table, yet the creditors continue to hassle and harass you day and night. They say things to demean you like, “So you really don’t want to pay your bills do you?” or “Can’t you borrow the money from a friend or relative?”

The creditors threaten to garnish your wages, sheriff sale your belongings, and throw you in jail.

It is degrading, depressing, and paralyzing. You want to pay your bills. You don’t want to file bankruptcy. You don’t know where to turn or what to do. You manage to tune out as much of the agony as possible. You literally bury your head in the sand and pretend this looming debt does not exist.

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My story doesn’t just end there. I called my attorney for advice. At this time, although I was licensed to practice law, I knew nothing about bankruptcy or the alternatives. Although facing a Sheriffs’ Sale, I still wanted to avoid bankruptcy. How would it look for an attorney to file bankruptcy? When you call an attorney you expect to get proper advice. It turns out the gentleman I spoke with knew about as much as I did, at that time. He gave me bad advice.

I took his advice and decided to find a bankruptcy attorney and file in an effort to avoid the Sheriff Sale. The bankruptcy attorney wanted me to schedule an appointment and come in to his office. Although he was very friendly during the appointment, he was not very forth-coming. I imagine he did not want to say much until he was paid.

The price was staggering for someone who could not pay his bills. Shortly after meeting him, an acquaintance mentioned another attorney. My wife and I met with him. Initially, he was short, abrasive and to the point, which made us feel like we were more of a bother, than a paying client.

He explained even less than the first attorney, but his fee was much less. We got exactly what we paid for. This man went from short and abrasive to downright rude and arrogant. He rarely answered our questions, if he even bothered to return our calls at all. Our occasional discussions always left us feeling berated and ignored.

Ready to discuss all your options?
Call us today because we understand.

I constantly asked the Lord why he was putting me through this. One day I came to a realization.

I needed to go through this so that other people would not have to share my pain and frustration. Yes, you may have no choice but to file for bankruptcy, but I will work hand-in-hand with you, fully discuss your options, and assist you in determining what the best possible path for your unique circumstance is.

  • You will be treated with respect and dignity!
  • I will answer your questions thoroughly and explain it in non-legal terms to make sure you completely understand.
  • I WILL listen to your situation, because I care and want to know.
  • I will treat you the way I wanted to be treated, but was not.

When your debts have either been negotiated away or discharged through bankruptcy, I will help you get your credit back on track. You can start over just like I did.

We firmly believe bad things happen to good people all the time. That doesn’t make you bad, it just makes you unfortunate.

Isn't it time you stepped out of your problem and into a solution?

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