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Articles about Debt and Debt Relief

Articles about Debt and Bankruptcy:

how-to-avoid-bankruptcy-450

How to Avoid Bankruptcy

While there is no escaping the hard choices that come with reducing expenses and good money management, there is a fast and effective way to help you get out of debt without filing bankruptcy...

Read More
you-have-received-collection-letter

So, You have Received a Collection Letter

Receiving a letter from a collection agency or attorney can be very intimidating. Receiving a collection letter can be considered the first step in the collection process that could lead to a lawsuit being filed against you to collect the debt...

Read More
should-a-christian-file-bankruptcy

Should a Christian File for Bankruptcy?

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...

Read More
39567080 - time to improve your credit words on clocks to illustrate the need to work on repairing, fixing or increasing your creditworthiness rating or score for borrowing money from a bank or lender

Credit Report Errors

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 ever to keep an eye on your credit report...

Read More
41148614 - close up top view of a man hand holding a pencil to write a note on multicolored envelopes, isolated on white background.

The Envelope System

One of the oldest, most time-honored ways of reducing credit card debt is called the Envelope System or Envelope Method. It's simply a hands-on system that keeps you accountable for what you spend...

Read More
holiday-savings-tips

Top 10 ways to Budget for Holiday Spending

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?...

Read More
credit-card-debt-relief-cropped

Dependent on Credit Cards?

In our electronic age, credit cards can be a great convenience. They allow you to shop and even purchase big-ticket items without carrying around a money-belt full of cash. Credit cards allow you to buy online and receive your purchase at your doorstep within days...

Read More
finding-the-right-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 from start to finish...

Read More
monthly-budget-debt-relief-tips

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...

Read More
debt-negotiation-attorney-harrisburg

Debt Negotiation

The Debt Negotiation Program at Harold Shepley & Associates, LLC is specifically designed to not only keep you out of Bankruptcy, but also provide you with the peace-of-mind of being able to keep your home and your car...

Read More
1099-form

1099-C - Cancellation of Debt Notice

It's probably natural to feel that a 1099-C is somehow punitive. After all, if you couldn't afford to pay the debt that triggered the form, how are you supposed to afford to pay taxes on the "income" the form represents...

Read More
budget

Creating a Monthly Budget

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...

Read More
debt-consolidation-loan

Does Debt Consolidation Work?

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...

Read More
local-chapter-13-bankruptcy-attorney

Chapter 13 Bankruptcy

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 annual median income for a household of the same size)...

Read More
student-loan-debt-tips

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...

Read More
mortgage-foreclosure-attorney

Mortgage Foreclosure

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...

Read More
great-vacation-budgeting-tips

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...

Read More
johnstown-family-bankruptcy-attorney

Repaying Family before Filing 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...

Read More
divorce-and-marital-debt

What is Debt Negotiation?

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...

Read More
foreclosure-mortgage-delinquency

Foreclosure & Mortgage Delinquency

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 mortgage delinquency, avoid foreclosure, and keep your home...

Read More
mortgage-modification-help

Mortgage Modification

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...

Read More
statute-of-limitations-atttorney

What is the Statute of Limitations

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 limitations."...

Read More
cross-collateralization-pa

Cross-Collateralization

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 you already posted for...

Read More

Please, call us today at 877-827-9006 or contact us online any time. One of our friendly Pennsylvania attorneys will be glad to listen to your concerns and provide a free consultation of your case over the phone or in person.

Contact Us

Contact Us Debt Relief
First
Last

Personal Data Notice

This form collects personal information like your name, email address, and any optional information you choose to include so that we can communicate with you and provide assistance. Please check our Privacy Policy to see how we protect and manage your submitted data.

Browse our Article Categories:

Articles about Debt and Bankruptcy:

how-to-avoid-bankruptcy-450

How to Avoid Bankruptcy

While there is no escaping the hard choices that come with reducing expenses and good money management, there is a fast and effective way to help you get out of debt without filing bankruptcy...

Read More
you-have-received-collection-letter

So, You have Received a Collection Letter

Receiving a letter from a collection agency or attorney can be very intimidating. Receiving a collection letter can be considered the first step in the collection process that could lead to a lawsuit being filed against you to collect the debt...

Read More
should-a-christian-file-bankruptcy

Should a Christian File for Bankruptcy?

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...

Read More
39567080 - time to improve your credit words on clocks to illustrate the need to work on repairing, fixing or increasing your creditworthiness rating or score for borrowing money from a bank or lender

Credit Report Errors

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 ever to keep an eye on your credit report...

Read More
41148614 - close up top view of a man hand holding a pencil to write a note on multicolored envelopes, isolated on white background.

The Envelope System

One of the oldest, most time-honored ways of reducing credit card debt is called the Envelope System or Envelope Method. It's simply a hands-on system that keeps you accountable for what you spend...

Read More
holiday-savings-tips

Top 10 ways to Budget for Holiday Spending

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?...

Read More
credit-card-debt-relief-cropped

Dependent on Credit Cards?

In our electronic age, credit cards can be a great convenience. They allow you to shop and even purchase big-ticket items without carrying around a money-belt full of cash. Credit cards allow you to buy online and receive your purchase at your doorstep within days...

Read More
finding-the-right-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 from start to finish...

Read More
monthly-budget-debt-relief-tips

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...

Read More
debt-negotiation-attorney-harrisburg

Debt Negotiation

The Debt Negotiation Program at Harold Shepley & Associates, LLC is specifically designed to not only keep you out of Bankruptcy, but also provide you with the peace-of-mind of being able to keep your home and your car...

Read More
1099-form

1099-C - Cancellation of Debt Notice

It's probably natural to feel that a 1099-C is somehow punitive. After all, if you couldn't afford to pay the debt that triggered the form, how are you supposed to afford to pay taxes on the "income" the form represents...

Read More
budget

Creating a Monthly Budget

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...

Read More
debt-consolidation-loan

Does Debt Consolidation Work?

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...

Read More
local-chapter-13-bankruptcy-attorney

Chapter 13 Bankruptcy

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 annual median income for a household of the same size)...

Read More
student-loan-debt-tips

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...

Read More
mortgage-foreclosure-attorney

Mortgage Foreclosure

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...

Read More
great-vacation-budgeting-tips

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...

Read More
johnstown-family-bankruptcy-attorney

Repaying Family before Filing 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...

Read More
divorce-and-marital-debt

What is Debt Negotiation?

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...

Read More
foreclosure-mortgage-delinquency

Foreclosure & Mortgage Delinquency

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 mortgage delinquency, avoid foreclosure, and keep your home...

Read More
mortgage-modification-help

Mortgage Modification

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...

Read More
statute-of-limitations-atttorney

What is the Statute of Limitations

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 limitations."...

Read More
cross-collateralization-pa

Cross-Collateralization

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 you already posted for...

Read More

Please, call us today at 877-827-9006 or contact us online any time. One of our friendly Pennsylvania attorneys will be glad to listen to your concerns and provide a free consultation of your case over the phone or in person.

Contact Us

Contact Us Debt Relief
First
Last

Personal Data Notice

This form collects personal information like your name, email address, and any optional information you choose to include so that we can communicate with you and provide assistance. Please check our Privacy Policy to see how we protect and manage your submitted data.

Browse our Article Categories:

Contact Us

Relief is closer than you think!

For more information on debt relief, the other services we offer, or on what sets us apart from your average firm, please - call us today!

877-827-9006

209 West Patriot Street
Somerset, PA 15501

3115 N. Front Street
Harrisburg, PA 17110

Debt Relief from Pennsylvania Bankruptcy Attorneys

We serve clients throughout all of Pennsylvania with Bankruptcy, Debt Negotiation, Mortgage Foreclosure Defense, Divorce, and Estate Planning. Though we have two offices, no travel is necessary.

We service Pennsylvania clients from Pittsburgh, Harrisburg, Philadelphia, Altoona, Bedford, Blairsville, Connellsville, Cranberry, Ebensburg, Greensburg, Huntingdon, Johnstown, Indiana, Lancaster, Monroeville, New Kensington, State College, Somerset, Uniontown, Washington, Wexford and throughout the state.

This website is intended to provide general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.