Harold Shepley & Associates on PA live! 4.25.2022 – Bankruptcy

Harold Shepley & Associates on PA live! 5.4.2022 – Debt Negotiation

Harold Shepley & Associates on PA live! 5.27.2022. Increasing Interest Rates

PA LIVE – 2-24-2022 “Tax Return Tips”

PA LIVE – “Tips to keep your financial New Year’s resolution”

PA LIVE – March 31, 2022 “Dealing With Rising Costs”

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… Continue reading Tax Refunds

PA LIVE – January 05, 2022 “Being Financially Fit in 2022″

PA LIVE – January 03, 2022 “Tips for Becoming Debt Free in 2022″

PA LIVE – November 24, 2021 “Holiday Spending Trap”

PA LIVE – November 10, 2021 “Mortgage Deferment”

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?”

PA LIVE – May 31, 2021 “What are my Debt Options”

PA LIVE – June 28, 2021 “Voluntary Payment Plans: Pros and Cons”

Entering a Voluntary Payment Plan with Your Creditor After Being Served with a Lawsuit May Not Be Your Best Solution

Voluntary Payment Plan with Creditor After Lawsuit

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… Continue reading Entering a Voluntary Payment Plan with Your Creditor After Being Served with a Lawsuit May Not Be Your Best Solution

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… Continue reading How to Avoid Bankruptcy

So, You have 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… Continue reading So, You have Received a Collection Letter

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… Continue reading Should a Christian File for Bankruptcy?

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… Continue reading Credit Report Errors

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… Continue reading The Envelope System

Top 10 ways to 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… Continue reading Top 10 ways to Budget for Holiday Spending

Are You 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.… Continue reading Are You Dependent on Credit Cards?

How to Find 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… Continue reading How to Find a Good Debt Relief Attorney

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… Continue reading Successful Savers & Investors

Debt Negotiation

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… Continue reading Debt Negotiation

1099-C – Cancellation of Debt Notice

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… Continue reading 1099-C – Cancellation of Debt Notice

Creating a 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… Continue reading Creating a Monthly Budget

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… Continue reading Does Debt Consolidation Work?

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… Continue reading Chapter 13 Bankruptcy

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… Continue reading Student Loan Debt

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… Continue reading Prenuptial Agreements

Served With a 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… Continue reading Served With a Lawsuit?

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,… Continue reading Do I Need a Will?

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… Continue reading What is a Judgment?

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… Continue reading Dealing with a Divorce and Marital Debt

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