Harold Shepley & Associates, LLC
209 West Patriot Street
Somerset, PA, 15501 USA
8775533389
Harold Shepley

Pennsylvania Bankruptcy Lawyers

Bankruptcy attorneys near Pittsburgh helping people throughout PA

At Harold Shepley & Associates, LLC, we consider bankruptcy to be the last resort for debt relief. When debt negotiation is no longer possible, our bankruptcy lawyers help you determine if liquidation or reorganization is the appropriate course of action. Both methods are complex and require the guidance of experienced bankruptcy attorneys. You should consult our law firm for a full analysis of your situation to determine if any bankruptcy solutions are right for you.  We practice Chapter 7 and Chapter 13 bankruptcy and can determine which type you qualify for.

Dischargeable debt in bankruptcy

You have probably heard bankruptcy described as a "fresh start," but this does not mean that you are released from all of your debts. Only your unsecured debts are dischargeable. These include:

  • Credit card debts
  • Medical bills
  • Utility bills
  • Personal loans

Other debts are not dischargeable, such as certain taxes and student loans. You are still obliged to pay non-dischargeable debts or you will continue to be subject to creditor action.

Your personal property and real estate in bankruptcy

Our attorneys understand that your primary concern in bankruptcy is whether you will be able to keep your property, especially your home. The federal Bankruptcy Code provides certain exemptions to protect your property. But if your outstanding loan balances on your home and car are more than the exempt amounts, your lenders have the right to continue collection efforts during and after your bankruptcy. If you cannot make the payments, your house may be subject to foreclosure and your car may be repossessed. Our lawyers work with your creditors to avoid these actions if possible.

How to prepare for your bankruptcy consultation

When you contact our Pennsylvania bankruptcy lawyers for a free evaluation, you will need:

  • Pay stubs for the last six months
  • A breakdown of your monthly expenses
  • A list of all property that you own
  • A list of all of your debts

You can prepare fully by downloading our debt relief questionnaire and filling it out. The detailed information allows our attorneys to give you a preliminary analysis of your situation. If we believe bankruptcy is your best choice, we proceed to determine whether you qualify for Chapter 7 or Chapter 13 bankruptcy.

Get help anywhere in PA from our Pittsburgh, Harrisburg and Somerset-area bankruptcy lawyers

The experienced bankruptcy attorneys at Harold Shepley & Associates, LLC can help you decide if bankruptcy is right for you. From our Somerset office near Pittsburgh, our bankruptcy lawyers can help you by phone no matter where you live in Pennsylvania. Contact us at (877) 553-3389. Debt relief is within reach.