Why We Are Different

"I had bad experiences with bankruptcy attorneys. That's why our law firm is different. We're here to keep you from having to feel the same shame and frustration that I did."

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

Harold Shepley is a full service debt relief law firm dedicated to finding the best solution for you and your family.  If you go to a bankruptcy attorney, you get bankruptcy advice.  If you go to a consolidation company, you get consolidation advice.  If you go to a bank, you will be advised to borrow your way out of debt.  At Harold Shepley & Associates, we’re here to find YOUR best solution to debt; not simply what somebody wants to sell you.


Our services include:

What Sets Harold Shepley & Associates Apart from Other Companies?

Harold Shepley & Associates

Other Companies

We go beyond simply reducing interest rates. Often we will negotiate the principal itself to 40% or less. In nearly every case the payment reduction is drastic.

They may simply negotiate the interest rates with little or no reduction in the monthly payment. With little or no relief, most clients quit within the first year.

As a law firm, Harold Shepley and Associates is better poised to make payment reduction settlements and is taken seriously by creditors. We will sue creditors who violate client rights.

They are often not law firms and thus are not taken seriously by the creditors. Their clients often continue to receive harassing calls with no relief in sight.

We send out cease and desist letters to each and every creditor that you choose in the program and notify them that all further contact must be to the firm – not you.

They do not send any notification to the creditors at all. Meaning, the creditors do not know the negotiating company even exists. If you’re lucky, they might instruct you to send a letter yourself.

We begin the loan payment reduction process by communicating with the creditors immediately upon receipt of billing statements and first payment from you.

They will not begin negotiations until you have paid enough to both commence a settlement and pay their fees. Some may even wait until all funds and fees are completely paid for all the client’s debts.

We encourage clients to bring all of their unsecured debt into the program. It is our belief that in order to properly serve you, a solution for all unsecured creditors needs to be established.

They will only take certain debts into their program leaving the client to deal with the most difficult creditors on their own. This often results in the client filing bankruptcy after spending thousands of dollars to settle the easy debts.

We draft funds on a monthly basis which are held in the law firm’s escrow account until the time of settlement. This approves our relationships with creditors and allows us more flexibility in your case.

They rely on the clients to save their own money in their own bank account. When a settlement is reached the company contacts the client to release the funds.

We will defend lawsuits in Pennsylvania and file bankruptcy in Pennsylvania, when necessary.

When a client is sued, the company simply tells the client that the debt needs to be removed from the program and informs the client that they will have to handle it on their own.

We have no cancellation fees.

They have cancellation fees which can be as high as $1000 or more.

We do something no other company does. We will complete a settlement even if we have to wait for our fees.

They will not complete a settlement unless there is enough money available to cover their settlement fees.

Our staff is unparalleled. Our Chief Negotiating Attorney is in fact the past President of the Pennsylvania Debt Collectors Association.

They do not have the proper background or experience. They are in business to make quick, easy money and simply disappear.

What Our Clients Say

"My husband became disabled and could no longer work, which made paying off debt we accumulated very difficult due to the loss in income. We tried a debt management program, which reduced our monthly payments a little bit, but we ended up getting credit cards to get through until it was paid off.

We then re-enrolled into the debt management again to pay off those credit cards, and it was a vicious cycle where we ended up accumulating more credit cards again (to cover things like vehicle repairs, major appliances, etc.). We enrolled in the debt settlement program with Harold Shepley and we're now debt free! All of the staff were very professional and the program was much more affordable."

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