Harold Shepley

Credit Restoration

Helping you rebuild your credit after a debt crisis

You are likely to find that your credit report has suffered after you resolve your debt problem. Bankruptcy typically has a negative impact on your credit score for 10 to 12 years, and even debt negotiation can leave black marks on your credit report. You may be inclined to simply avoid using credit in the future, but sometimes it may be necessary for important personal transactions. The skilled Pennsylvania bankruptcy lawyers at Harold Shepley and Associates, LLC can help you restore your credit rating and give you back your financial stability.

Relieving your debt before restoring your credit

Before we can repair your credit, you must eliminate any outstanding debt on your credit report. This may be accomplished by:

Our attorneys help you determine the most appropriate method of debt relief.

Repairing the damage to your credit report

Many people find their credit scores are satisfactory upon completion of Debt Negotiation.  Others who have filed for Bankruptcy have found that their credit rebounds substantially within one to two years. Once your debt has been addressed, the work of challenging the black marks on your credit report can begin. These include:

  • Foreclosures
  • Bankruptcy
  • Repossessions
  • Inaccuracies
  • Late payments

When necessary, we sue your creditors to force the removal of undesirable records. By eliminating as many of the black marks as possible, we can help you increase your credit score and give you more freedom when applying for credit.

Why you need a lawyer to restore your credit

There are many credit restoration services that do not have a single attorney on staff. These companies are likely to charge you hundreds of dollars to send letters that you could easily send yourself. Our attorneys give you a distinct advantage in the credit repair process because we know how to use applicable laws on your behalf, such as the:

  • Fair Credit Reporting Act
  • Fair Debt Collection Practices Act
  • Fair Credit Billing Act
  • Fair and Accurate Credit Transactions Act

When you want to properly address your damaged credit, you need to work with lawyers who have the necessary experience and command of the law to get you results.

Turn to our skilled attorneys for effective credit restoration

We take every possible action to get you back in good standing with the credit bureaus no matter what process was used to eliminate your debt. For a free consultation about credit restoration, contact Harold Shepley & Associates, LLC at (877) 553-3389. We help remove the barriers to your financial freedom.