Generated by All in One SEO Pro v5.0.0.1, this is an llms.txt file, used by LLMs to index the site. # Harold Shepley & Associates, LLC A Debt Relief Law Firm ## Sitemaps - [XML Sitemap](https://shepleylaw.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Cross-Collateralization](https://shepleylaw.com/articles/debt/cross-collateralization/) - How Your Property can be affected by Cross-collateralization Agreements Cross-collateralization sounds like a frightening legal and financial term. What is it? Simply put, it is the use of one piece of collateral to secure more than one loan. When you apply for a new loan, then your credit union or bank may use collateral that - [What is the Statute of Limitations](https://shepleylaw.com/articles/debt/statute-of-limitations/) - When it comes to Credit Card Debt? If you have old debts, you may be wondering if a creditor is able to collect on them.It is true that debt collectors have only a limited number of years in which to take legal action and sue you to collect. This is known as the "statute of - [Foreclosure & Mortgage Delinquency](https://shepleylaw.com/articles/debt/mortgage-delinquency/) - Late Mortgage Payments and How to Deal with Them When you fall behind on your mortgage, staying in your home may not be possible. You may be able to avoid foreclosure, for example, but have to walk away from your home. Of course, the ideal situation is one where you are able to resolve your - [What is Debt Negotiation?](https://shepleylaw.com/articles/debt/what-is-debt-negotiation/) - Negotiating a Settlement with Your Creditors When you find yourself overwhelmed with debt, bankruptcy is not your only option. Debt negotiation can be a powerful tool to reduce and eliminate debt over time, improve your credit rating, and get your financial situation back on course. It is often possible to negotiate a settlement for less - [Budgeting Tips for a Great Vacation](https://shepleylaw.com/articles/debt/vacation-budgeting-tips/) - Going on Vacation? Budgeting Tips for a Great Vacation Going on vacation this year? Vacation planning is essential both to ensure that you have a good time and to keep your vacation budget under control. Don't spoil the great memories of your get-away by ending up with higher household debt. Here are some vacation tips - [Mortgage Foreclosure](https://shepleylaw.com/articles/debt/mortgage-foreclosure/) - Do You Need to Move Out of Your Home? When a sheriff appears at your door to serve you with a foreclosure notice, it can be a scary event. A foreclosure complaint & summons is the legal document you receive when a foreclosure lawsuit is filed against you. This happens when your lender sues you - [Dealing with a Divorce and Marital Debt](https://shepleylaw.com/articles/divorce/dealing-with-a-divorce-and-marital-debt/) - Dealing with a Divorce and Marital Debt at the Same Time Filing for bankruptcy and dealing with a divorce are both traumatic life events. Few people imagine they might have to deal with both at the same time. In reality, these two areas of life and law often go hand-in-hand. It is not unusual for - [What is a Judgment?](https://shepleylaw.com/articles/debt/what-is-a-judgment/) - Has a Civil Action been Taken against You? Judgments are the result of a civil action filed in a court. They are usually for the collection of money owed by one party to another. Civil actions can start only within certain time limits. For example: The time limitation for a written or contract is four - [Do I Need a Will?](https://shepleylaw.com/articles/estate-planning/do-i-need-a-will/) - Yes, a Legal Will is Essential for Your Estate For many people, the thought of a Will brings with it unpleasant thoughts of death. Many people think, "I'm in good health, why do I need to think about having a Will?" Certainly, wills are very easy to put on the back-burner for another day. Unfortunately, - [Prenuptial Agreements](https://shepleylaw.com/articles/divorce/prenuptial-agreements/) - Prenups in Pennsylvania A Prenuptial Agreement (entered into before marriage) is a contract between two people who are anticipating marriage. It outlines either generally, or in great detail, how property is categorized and divided in case of a divorce. In Pennsylvania, marital property is defined in as, "all property acquired by either party during the - [Student Loan Debt](https://shepleylaw.com/articles/debt/student-loan-debt/) - Are You Concerned about Student Loan Debt? The student loan industry has undergone major changes and reform since 2009. While private and federal student loans still exist, most borrowers currently have federal student loans through the US Department of Education. One benefit of having federal student loans is that once you graduate from college, you - [Does Debt Consolidation Work?](https://shepleylaw.com/articles/debt/does-debt-consolidation-work/) - Be Careful - You Cannot Borrow Your Way Out of Debt! If you're reading this, it's likely you've been researching ways to get out of debt, or to improve your financial situation with regard to debt. In this article, we'll consider how debt consolidation works. To begin, let's start with the basics, like the difference - [Creating a Monthly Budget](https://shepleylaw.com/articles/debt/monthly-budget/) - A Monthly Budget Worksheet can Help When it comes to getting your personal debt under control, a good place to begin is with the basics of a household or personal budget. Creating a monthly budget helps you identify where you may be overspending and can also help you in developing an overall financial plan. Building - [1099-C - Cancellation of Debt Notice](https://shepleylaw.com/articles/debt/1099-c/) - 1099-C Cancellation of Debt Notice You were thrilled when you were able to negotiate and settle one of your credit card accounts for much less than the full balance. Your debt relief efforts were showing results! Unfortunately, that thrill turned to anxiety and indignation when you received a 1099-C Cancellation of Debt notice from your - [Successful Savers & Investors](https://shepleylaw.com/articles/debt/successful-savers-investors/) - Successful Savers & Investors Saving money and investing takes time and persistence. You need to be in control of your personal debt and living within your means. It's not easy, and you may feel overwhelmed. To have money in your budget each month for savings and investment goals takes an ongoing financial commitment. How do - [How to Find a Good Debt Relief Attorney](https://shepleylaw.com/articles/debt/finding-a-good-debt-relief-attorney/) - How to Find a Good Debt Relief Attorney Finding a good debt relief attorney is the most important step you can take in achieving freedom from overwhelming debt. Focus your efforts on finding a lawyer who deals with your specific issue and one that will be there for you, helping you through the whole process - [Top 10 ways to Budget for Holiday Spending](https://shepleylaw.com/articles/debt/budget-for-holiday-spending/) - Smart Ways to Budget for Christmas The holidays are almost here! You've been busy all year, and now your pre-holiday panic is starting to set in. It's time to buy gifts, plan parties, and even travel back home to be with family. What will it all cost? A happy holiday season starts with a smart - [Credit Report Errors](https://shepleylaw.com/articles/debt/credit-report-errors/) - How Your Credit Report Affects Your Life Your credit report has so much more to do with your life now than it used to. For good or bad, your credit score can influence the rates of loans you are offered, security clearances, job applications, and even the cost of car insurance. It's more important than - [Should a Christian File for Bankruptcy?](https://shepleylaw.com/articles/debt/should-a-christian-file-for-bankruptcy/) - God and Debt. Is There a Christian Debt Solution? There is a belief "out there" that people in debt are bad, irresponsible, ignorant, stupid, or uncaring people. Many of those who hold this belief are the debtors themselves. Every day, we talk with people that are embarrassed and ashamed. They feel like they have let - [So, You have Received a Collection Letter](https://shepleylaw.com/articles/debt/received-a-collection-letter/) - Hearing from a Collection Agency Receiving a letter from a collection agency or attorney can be very intimidating. A collection letter may be written in a very friendly manner — ”Welcome to ABC Collections, we look forward to serving you and helping you determine which option works best for you to manage your debt.” Collection notices - [How to Avoid Bankruptcy](https://shepleylaw.com/articles/debt/how-to-avoid-bankruptcy/) - It's Not Too Late! The best way to avoid bankruptcy is with good money management, setting a budget and simply not spending more than you earn. Of course, we realize you are probably reading this article because you are already at a point of desperation. Perhaps our title should be: How to Avoid Bankruptcy When I’m - [Are You Dependent on Credit Cards?](https://shepleylaw.com/articles/debt/dependent-on-credit-cards/) - How do you know if you have developed an unhealthy dependency on your credit cards? Do you find yourself... Saying things will get better next month. Catching up on your bills with your bonus from work. Using your tax return to pay off bills. Day dreaming that your credit cards will be paid off someday. - [Harold Shepley & Assc. On Good Day PA 04/12/2023](https://shepleylaw.com/articles/pa-live/harold-shepley-assc-on-pa-live-04-12-2023/) - [Harolod Shepley & Assoc. on Good Day PA 05/12/2023](https://shepleylaw.com/articles/pa-live/harolod-shepley-assoc-on-pa-live-05-12-2023/) - [Harold Shepley & Assc. On Good Day PA. 06/29/2023](https://shepleylaw.com/articles/pa-live/harold-shepley-assc-on-good-day-pa-06-29-2023/) - [Harold Shepley & Assc, PA Live 03/27/2023](https://shepleylaw.com/articles/pa-live/harold-shepley-assc-pa-live-03-27-2023/) - [Harold Shepley & Assc. On Good Day PA. 08/23/2023](https://shepleylaw.com/articles/pa-live/harold-shepley-assc-on-good-day-pa-08-23-2023/) - [Harold Shepley & Associates On PA Live 02/20/23](https://shepleylaw.com/articles/pa-live/harold-shepley-associates-on-pa-live-02-20-23/) - [Harold Shepley & Associates On PA Live 12/23/23](https://shepleylaw.com/articles/pa-live/harold-shepley-associates-on-pa-live-12-23-23/) - [Harold Shepley & Associates on PA live! 12.09.2022 - Holiday Giving](https://shepleylaw.com/articles/pa-live/harold-shepley-associates-on-pa-live-12-09-2022-holiday-giving/) - [Harold Shepley & Associates on PA live! 11.08.2022 - Numbers, Inflation, and More!](https://shepleylaw.com/articles/pa-live/harold-shepley-associates-on-pa-live-11-08-2022-numbers-inflation-and-more/) - [Job Loss Does Not Mean You Will Lose Your Home – If You Plan Carefully](https://shepleylaw.com/articles/debt/job-loss-does-not-mean-you-will-lose-your-home-if-you-plan-carefully/) - Losing your job after years of employment and enjoying a steady paycheck is a shock to anyone. Unemployment compensation does not replace the regular paychecks you previously received. This may be the very situation workers at the US Foods facility in Altoona, Pennsylvania will experience with reports that its warehouse operations will soon close. When - [Tax Refunds](https://shepleylaw.com/articles/finances/tax-refunds/) - ‘Tis the season for tax refunds! Other than Christmas, this may the season that most Americans look forward to during the course of the year. It is the time of year when many of us plod through the misery of preparing and filing our tax returns but get rewarded with tax refunds from the federal - [Harold Shepley & Associates on PA live! 9.12.2022 - Heading Back To School](https://shepleylaw.com/articles/pa-live/harold-shepley-associates-on-pa-live-9-12-2022-heading-back-to-school/) - [Harold Shepley & Associates on PA live! 7.29.2022 - Financial debt is also sometimes good!](https://shepleylaw.com/articles/pa-live/harold-shepley-and-associates-on-palive-7-29-2022/) - [Harold Shepley & Associates on PA live 6.17.2022 - Struggling with Debt](https://shepleylaw.com/articles/pa-live/struggling-with-debt/) - [Harold Shepley & Associates on PA live! 06.27.22 Filing for Bankruptcy - Expert Advice](https://shepleylaw.com/articles/pa-live/filing-for-bankruptcy-expert-advice/) - [Harold Shepley & Associates on PA live! 4.25.2022 - Bankruptcy](https://shepleylaw.com/articles/pa-live/elementor-8255/) - [Harold Shepley & Associates on PA live! 5.4.2022 - Debt Negotiation](https://shepleylaw.com/articles/pa-live/elementor-8237/) - [Harold Shepley & Associates on PA live! 5.27.2022. Increasing Interest Rates](https://shepleylaw.com/articles/pa-live/elementor-8220/) - [Entering a Voluntary Payment Plan with Your Creditor After Being Served with a Lawsuit May Not Be Your Best Solution](https://shepleylaw.com/articles/debt/entering-a-voluntary-payment-plan-with-your-creditor-after-being-served-with-a-lawsuit-may-not-be-your-best-solution/) - The pandemic has caused financial turmoil for many people. Many Pennsylvanians find themselves behind on payments whether it be on their credit cards, personal loans, medical bills, or with their mortgage company. As Pennsylvania re-opens and recovers from the pandemic, creditors will continue collection efforts to take advantage of consumers who have found themselves hurting - [Debt Negotiation](https://shepleylaw.com/articles/debt/debt-negotiation-1/) - Can I Keep My Home and Car? You were thrilled when you were able to negotiate and settle one of your credit When faced with mounting debt and life changing events like Bankruptcy, it is only natural to feel overwhelmed. What if you lose your car? Will they take away your home? The Debt Negotiation - [PA LIVE – 2-24-2022 “Tax Return Tips"](https://shepleylaw.com/articles/pa-live/pa-live-2-24-2022-tax-return-tips/) - [PA LIVE – “Tips to keep your financial New Year’s resolution"](https://shepleylaw.com/articles/pa-live/pa-live-tips-to-keep-your-financial-new-years-resolution/) - [PA LIVE – March 31, 2022 “Dealing With Rising Costs"](https://shepleylaw.com/articles/pa-live/pa-live-march-31-2022-dealing-with-rising-costs/) - [Mortgage Modification](https://shepleylaw.com/articles/debt/mortgage-modification/) - Struggling with a Possible Mortgage Default? It happens every day across America: people struggling to pay their home mortgage look into a modification loan to reduce their monthly payments. Ironically, the bank tells the struggling homeowner that they can't be helped unless they fall behind on their mortgage. Once the homeowner falls behind, they often - [PA LIVE – January 03, 2022 “Tips for Becoming Debt Free in 2022"](https://shepleylaw.com/articles/pa-live/pa-live-january-03-2022-tips-for-becoming-debt-free-in-2022/) - [PA LIVE – January 05, 2022 “Being Financially Fit in 2022"](https://shepleylaw.com/articles/pa-live/pa-live-january-05-2022-being-financially-fit-in-2022/) - [PA LIVE – November 24, 2021 “Holiday Spending Trap"](https://shepleylaw.com/articles/pa-live/pa-live-november-24-2021-holiday-spending-trap/) - [PA LIVE – November 10, 2021 “Mortgage Deferment"](https://shepleylaw.com/articles/pa-live/pa-live-november-10-2021-mortgage-deferment/) - [PA LIVE – August 31, 2021 “What to expect when calling our office.”](https://shepleylaw.com/articles/pa-live/pa-live-august-31-2021-what-to-expect-when-calling-our-office/) - [PA LIVE - July 28, 2021 “If I file bankruptcy, can I keep my stuff?”](https://shepleylaw.com/articles/pa-live/pa-live-july-28-2021/) - [PA LIVE - June 28, 2021 “Voluntary Payment Plans: Pros and Cons”](https://shepleylaw.com/articles/pa-live/pa-live-june-28-2021/) - [PA LIVE - May 31, 2021 “What are my Debt Options”](https://shepleylaw.com/articles/pa-live/pa-live-may-31-2021/) - [The Envelope System](https://shepleylaw.com/articles/debt/the-envelope-system/) - Handling Household Expenses without Credit Cards Want to reduce your credit card debt? Try the Envelope System. Credit cards are easy to use, too easy! You swipe them, sign them, and forget them! Then you try to put those charges out of your mind until the credit card statement comes. When you open that bill - [Repaying Family Before Filing Bankruptcy](https://shepleylaw.com/articles/debt/repaying-family-before-bankruptcy/) - Does Borrowing Money from Family Complicate Bankruptcy? When it comes to filing for bankruptcy, many people have first gone to family for help as their financial problems mount. If you've taken a family loan or otherwise received financial help by taking money from family - but your situation has only worsened - what should you - [Chapter 13 Bankruptcy](https://shepleylaw.com/articles/debt/chapter-13-bankruptcy/) - Don't Qualify for Chapter 7 Bankruptcy? Consider Chapter 13 Chapter 13 bankruptcy is a payment plan that allows you to pay back some, but not necessarily all, of your debt. Chapter 13 is often a good solution for people who do not qualify for Chapter 7 because their incomes are too high (i.e., above the - [Served With a Lawsuit?](https://shepleylaw.com/articles/debt/served-with-lawsuit/) - Being Sued - What Should You Do? When the sheriff shows up at your home to serve you with a civil lawsuit, it can be an extremely stressful event. Don't worry, in cases of a civil lawsuit or other debt related issues, our full service debt relief law firm is ready to stand by your ## Pages - [Home](https://shepleylaw.com/) - Harold Shepley & Associates in Pennsylvania is a full-service debt relief and bankruptcy law firm with office across Pennsylvania. - [Debt Relief - Everything is Okay](https://shepleylaw.com/debt-solutions/) - Need debt relief? We have debt solutions. At Harold Shepley & Associates we know how to get you out of debt. Call today! - [Contact Us](https://shepleylaw.com/contact-us/) - Contact Harold Shepley & Associates, LLC. Call us today at 877-827-9006 to schedule a free consultation to discuss your situation. - [Meet Our Attorneys](https://shepleylaw.com/meet-our-attorneys/) - Harold W. Shepley, Esq. Learn More J. Chad Moore Esq. Learn More Daniel J. Boger, Esq. Learn More Leah M. Stump- Lesley, Esq. Learn More Jeffery W. Ross, Esq. Learn More Robert D. Klingensmith, Esq. Learn More John Bennett, Esq. Learn More - [Articles](https://shepleylaw.com/articles/) - Bankruptcy & Debt Relief articles by Harold Shepley & Associates. Categories also include Family Law, Lawsuits, and Estate Planning. - [Harold Shepley & Associates - Harrisburg, PA](https://shepleylaw.com/harrisburg/) - Worried about debt or bankruptcy? Worry no more as Harold Shepley & Associates in Harrisburg, PA is here to help you with all your debt questions. - [Harold Shepley & Associates - Altoona, PA](https://shepleylaw.com/altoona/) - Worried about debt or bankruptcy? Worry no more as Harold Shepley & Associates in Altoona, PA is here to help you with all your debt questions. - [Harold Shepley & Associates - Belle Vernon, PA](https://shepleylaw.com/belle-vernon/) - Worried about debt or bankruptcy? Worry no more as Harold Shepley & Associates in Belle Vernon, PA is here to help you with all your debt questions. - [Harold Shepley & Associates - Greensburg, PA](https://shepleylaw.com/greensburg/) - Harold Shepley & Associates, LLC proudly represents individuals from Greensburg, Pennsylvania and the surrounding communities. - [Harold Shepley & Associates - Halifax, PA](https://shepleylaw.com/halifax/) - We represent clients in Halifax, Pennsylvania, Mecks Corner, Newport, Millerstown, Selinsgrove, Pottsville, and Millersburg, Pennsylvania. - [Harold Shepley & Associates - Uniontown, PA](https://shepleylaw.com/uniontown/) - Worried about debt or bankruptcy? Worry no more as Harold Shepley & Associates in Uniontown, PA is here to help you with all your debt questions. - [Harold Shepley & Associates - Pittsburgh, PA](https://shepleylaw.com/pittsburgh/) - Worried about debt or bankruptcy? Worry no more as Harold Shepley & Associates in Pittsburgh, PA is here to help you with all your debt questions. - [Harold Shepley & Associates - Somerset, PA](https://shepleylaw.com/somerset/) - Worried about debt or bankruptcy? Worry no more as Harold Shepley & Associates in Somerset, PA is here to help you with all your debt questions. - [Harold Shepley & Associates - Johnstown, PA](https://shepleylaw.com/johnstown/) - Worried about debt or bankruptcy? Worry no more as Harold Shepley & Associates in Johnstown, PA is here to help you with all your debt questions. - [Harold Shepley & Associates - Lewistown, PA](https://shepleylaw.com/lewistown/) - Bankruptcy & Debt Relief Lawyers in Lewistown, PA Serving Mifflin County and Central Pennsylvania Harold Shepley & Associates provides full-service debt relief and bankruptcy representation to residents of Lewistown, Mifflin County, and the surrounding Central Pennsylvania region. Whether you are facing creditor calls, a lawsuit, or the risk of losing your home, our experienced attorneys - [Harold Shepley & Associates - Perryopolis, PA](https://shepleylaw.com/perryopolis/) - Worried about debt or bankruptcy? Worry no more as Harold Shepley & Associates in Perryopolis, PA is here to help you with all your debt questions. - [Harold Shepley & Associates - Erie, PA](https://shepleylaw.com/harold-shepley-associates-erie-pa/) - Harold Shepley & Associates is a full service debt relief law firm serving clients in the Flagship City and the surrounding counties for nearly twenty years. - [Harold Shepley & Associates - Wilkes-Barre/Scranton, PA](https://shepleylaw.com/harold-shepley-associates-wilkes-barre-scranton-pa/) - Worried about debt or bankruptcy? Worry no more as Harold Shepley & Associates in Wilkes-Barre/Scranton, PA is here to help you with all your debt questions. - [Harold Shepley & Associates - Elizabethtown, PA](https://shepleylaw.com/harold-shepley-and-associates-elizabethtown-pa/) - Worried about debt or bankruptcy? Worry no more as Harold Shepley & Associates in Elizabethtown, PA is here to help you with all your debt questions. - [Debt Consolidation in Pennsylvania](https://shepleylaw.com/debt-consolidation/) - If you are looking for debt consolidation in Pennsylvania, we can help you. Getting out of debt is easy when you utilize Harold Shepley & Associates, LLC. - [How We Work](https://shepleylaw.com/how-we-work/) - Learn How We Work: Experienced PA debt relief attorneys working by your side. There are several factors that distinguish us from other debt relief providers. - [Jeffrey W. Ross, Esq.](https://shepleylaw.com/jeffrey-ross/) - Jeffrey W. Ross is an associate with Harold Shepley & Associates, LLC. For more information on debt relief, the other services we offer contact us. - [So You've Been Sued](https://shepleylaw.com/so-youve-been-sued/) - You've been sued for debt. What should you do? Don't worry - Harold Shepley & Associates is here to help and to represent you. - [Testimonials](https://shepleylaw.com/testimonials/) - Testimonials for Harold Shepley & Associates, LLC - Pennsylvania Debt Relief Law Firm. Contact Us - Relief is closer than you think! - [Do you need a debt relief lawyer?](https://shepleylaw.com/debt-negotiation/do-you-need-a-debt-relief-lawyer/) - Do you need a debt relief lawyer? It's time that you got some defense on your side. Call the attorneys at Harold Shepley & Associates. - [Mortgage Foreclosure Defense](https://shepleylaw.com/mortgage-foreclosure-defense/) - Prevent foreclosure and avoid bankruptcy through mortgage foreclosure defense in Pennsylvania with Harold Shepley & Associates. - [Litigation](https://shepleylaw.com/debt-negotiation/litigation/) - Litigation Lawsuit? You have a much better chance of winning your case and preparing yourself for future success if you hire an attorney. - [Harold W. Shepley, Esq.](https://shepleylaw.com/harold-shepley/) - Since 1999, Harold W. Shepley has devoted his practice to helping individuals, families and businesses overcome the burdens of financial distress. - [Internet Explorer Redirect](https://shepleylaw.com/internet-explorer-redirect/) - YOU ARE USING INTERNET EXPLORER Please visit using a different browser. Since 1/12/16, Microsoft no longer provides security updates or technical support for old versions of Internet Explorer. Regular security updates help protect devices so upgrading and staying current is important. Harold Shepley Associates cares about your security and privacy and encourages you to - [Harold's Debt Relief Story](https://shepleylaw.com/harolds-personal-story/) - Harold's personal story and his experience with debt relief and debt relief attorneys is an all too common one. We offer compassionate Debt Relief. - [J. Chad Moore, Esq.](https://shepleylaw.com/j-chad-moore/) - Attorney J. Chad Moore is the managing attorney for the Harold Shepley & Associates, LLC Harrisburg Office. Contact us - Relief is closer than you think! - [Daniel J. Boger, Esq.](https://shepleylaw.com/daniel-j-boger/) - Daniel J. Boger is an associate with Harold Shepley & Associates focusing his practice in bankruptcy and consumer law cases. - [Leah M. Stump-Lesley, Esq.](https://shepleylaw.com/leah-stump-lesley/) - Leah M. Stump-Lesley, Esq. Attorney Leah M. Stump-Lesley is a graduate of Shepherd College where she received a B.A. in Political Science. She then went on to study at Widener University School of Law where she received a J.D. Upon graduation from law school, Attorney Stump-Lesley was hired by Harold Shepley & Associates, where she has - [Robert D. Klingensmith, Esq.](https://shepleylaw.com/robert-klingensmith/) - Robert D. Klingensmith is an attorney at Harold Shepley & Associates. Areas of Practice include Litigation and Mortgage Foreclosure Defense. - [John Bennett, Esq.](https://shepleylaw.com/john-bennett/) - John Bennett began working for Harold Shepley & Associates soon after graduation in 2017. Areas of Practice include Debt Negotiation. - [Why We Are Different](https://shepleylaw.com/why-we-are-different/) - Why We Are Different - What Sets Harold Shepley & Associates Apart from Other Companies? A full service debt relief law firm. - [Divorce & Family Law Attorneys in Pennsylvania](https://shepleylaw.com/divorce-and-family-law/) - Expert legal help in PA for Divorce & Family Law: Child Custody, Alimony, Property Division, and more. Protect your rights with Harold Shepley & Associates. - [Bankruptcy Lawyers in Pennsylvania](https://shepleylaw.com/bankruptcy/) - We invite you to contact our office to discuss how the top Bankruptcy Lawyers in Pennsylvania can help you. Contact us today for a free consulation. - [Litigation Defense](https://shepleylaw.com/litigation-defense/) - Learn more about litigation defense from the experts at Harold Shepley & Associates by calling our Pennsylvania team today. - [Estate Planning Lawyer in Pennsylvania](https://shepleylaw.com/estate-planning/) - Find your Estate Planning Lawyer in Pennsylvania. Pennsylvania Trusts and Estate Attorneys - Preserving your family's wealth for future generations. - [Debt Negotiation in Pennsylvania](https://shepleylaw.com/debt-negotiation/) - Our Debt Negotiation in Pennsylvania program is specifically designed to not only keep you out of Bankruptcy, but also provide you with peace-of-mind. - [Debt Services](https://shepleylaw.com/debt-services/) - View a full list of the debt services we provide at Harold Shepley & Associates to see how we can be of help. - [How Much Will it Cost?](https://shepleylaw.com/bankruptcy/how-much-will-it-cost/) - How Much Will Bankruptcy Cost? The filing fee for a Chapter 7 case is $335.00 and the filing fee for a Chapter 13 case is $310.00. - [How Long Does Bankruptcy Take?](https://shepleylaw.com/bankruptcy/how-long-does-bankruptcy-take/) - How Long Does Bankruptcy Take? Generally, a Chapter 7 bankruptcy case will take approximately 4 to 6 months - [About Us](https://shepleylaw.com/about-us/) - Harold Shepley & Associates is a full service debt relief law firm. Learn more about our practice and team today. - [Other Services](https://shepleylaw.com/other-services/) - Harold Shepley & Associates offers a wide variety of services to all of our clients . To see our latest or newest services please visit our website - [Under Maintenance](https://shepleylaw.com/under-maintenance/) - Site Under Maintenance Sorry for the inconvenience! We are currently working on our new website and will have it live as soon as possible! (877) 827-9006 - [FAQs](https://shepleylaw.com/faqs/) - Pennsylvania Bankruptcy Law FAQs. Answers from attorneys who offer a range of debt relief options. Harold Shepley & Associates, LLC. - [Christians in Debt](https://shepleylaw.com/christians-in-debt/) - Christians in Debt: As an Attorney and a follower of Christ I have suffered through the pain and humiliation of bankruptcy. - [Debt Relief in Pennsylvania](https://shepleylaw.com/debt-relief/) - Discover debt relief in Pennsylvania. Overall Debt Options: Debt Management Options from Pennsylvania Lawyers - Harold Shepley & Associates, LLC. - [Free Bankruptcy Consultation](https://shepleylaw.com/free-bankruptcy-consultation/) - Get your Free Bankruptcy Consultation. At Harold Shepley & Associates, LLC, we understand the hardships of considering bankruptcy or other debt relief options. - [Privacy Policy](https://shepleylaw.com/privacy-policy/) - Please wait while the policy is loaded. If it does not load, please click here to view the policy. - [Terms of Service](https://shepleylaw.com/terms-of-service/) - Please wait while the policy is loaded. If it does not load, please click here to view the policy. - [Disclaimer](https://shepleylaw.com/disclaimer/) - Please wait while the policy is loaded. If it does not load, please click here to view the policy. - [Thank You - Free Consultation - L1](https://shepleylaw.com/thank-you-free-consultation-l1/) - Thank you! Your request has been submitted. A member of our team will reach out as soon as possible. - [Thank You - Free Consultation](https://shepleylaw.com/thank-you-free-consult/) - Thank you! Your request has been submitted. A member of our team will reach out as soon as possible. - [Who We Are](https://shepleylaw.com/who-we-are/) - [Christian Values in Divorce](https://shepleylaw.com/divorce-and-family-law/christian-values-in-divorce/) - Guiding you with Christian values in divor and PA law. Harold Shepley & Associates: Compassion, integrity, and legal expertise. - [Thank You](https://shepleylaw.com/thank-you/) - Thank You! Your request has been submitted and a member of our team will reach out to your shortly. If you have any questions in the meantime, feel free to give us a call! Thank, The Harold Shepley & Associates Team - [5 Steps to Dealing With Your Lawsuit](https://shepleylaw.com/5-steps-to-dealing-with-your-lawsuit-2/) - You have nothing to lose but your debt. Call today! CALL NOW Or SCHEDULE - [Schedule an Appointment](https://shepleylaw.com/appointments/) - Schedule a Consultation ## Locations - [Pittsburgh, PA](https://shepleylaw.com/location/pittsburgh-pa/) - [Harrisburg, PA](https://shepleylaw.com/location/harrisburg-pa/) - [Greensburg, PA](https://shepleylaw.com/location/greensburg-pa/) - [Somerset, PA](https://shepleylaw.com/location/somerset-pa/) ## Categories - [Debt & Bankruptcy](https://shepleylaw.com/articles/category/debt/) - [Family Law](https://shepleylaw.com/articles/category/divorce/) - [Estate-Planning](https://shepleylaw.com/articles/category/estate-planning/) - [PA Live](https://shepleylaw.com/articles/category/pa-live/) - [Finances](https://shepleylaw.com/articles/category/finances/)