How We Work

Trust That We Have Your Back

We understand that it is hard to trust agencies and firms that work in the debt industry. Our founder, Attorney Harold Shepley, began practicing bankruptcy and debt law because he also struggled with overwhelming debt and the anxiety, fear, and stress it can inject into your life. Many law firms and other agencies who deal with debt are just in it for a quick buck. They don’t want to hear your concerns – they just want your filing fees and any other money they can get from you, and then they want to be done.

The mistrust and fear can hurt you if it stops you from facing your situation. Fear no more – when you contact Harold Shepley & Associates, you gain the full support and knowledge base of our friendly debt experts.

The sooner you call, the more options you have

Experienced PA debt relief attorneys working by your side

There are a number of factors that distinguish us from other debt relief providers who are often money-hungry,
inattentive, and just downright rude.

Some factorsthat set us apart include:

You’re already having money issues, how could anyone charge you just to listen to your concerns and offer a bit of advice?


At Harold Shepley & Associates, we don’t consider a consultation to be a billable service; it’s a matter of basic human decency.

We offer more than just bankruptcy services. In fact, we prefer to use bankruptcy as a last resort. We will look into every possibility and work out a plan with you and help you decide which path is best for you. Some of our other services include debt negotiation, mortgage foreclosure defense, debt consolidation, and litigation defense.

As we’ve mentioned before, Attorney Harold Shepley has been in your shoes. In fact, he may have even had it worse. Creditors calling and making illegal threats, embarrassing incidents with debt collectors on the phone, his possessions nearly subject to a sheriff sale – you name it; he went through it. Harold’s full story is quite compelling and sheds some light on why we operate the way we do.

For a full list of what makes Harold Shepley & Associates the best choice for debt relief and more, read our full list of what makes us different from other law firms and debt relief providers.

What debt relief option is best for you? We’ll help you decide.

We will listen to your personal concerns and help you examine your situation to decide whether Bankruptcy, Debt Negotiation, Mortgage Foreclosure Defense, or another alternative is in your best interest.


There is no fee for our services until you are well on your way out of your problem and into a solution.

Harold Shepley & Associates, LLC. is an experienced Debt Negotiation firm


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Harold Shepley & Associates LLC. can help you keep your house

Mortgage Foreclosure Defense

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Harold Shepley & Associates LLC. can help you keep your house


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