Pennsylvania Bankruptcy Lawyers

How Will Filing A Bankruptcy Case Help Me?

The moment a bankruptcy case is filed it triggers the "automatic stay." This is an automatic function of legal significance because it requires collection activity to stop immediately. Harassing calls must stop. Lawsuits cannot be filed or pursued. Repossession activity must stop. A foreclosure sale cannot proceed. It is a powerful tool for individuals facing difficult financial times. It can be one of the best tools you use when you start taking control of your financial budget and plan to shed an unbearable debt load.

Individuals can receive a fresh start with a bankruptcy case and avoid the worries of juggling everyday expenses or foregoing necessary expenses, such as healthcare and prescriptions, when they no longer have to pay monthly credit card bills or medical bills. Most of our clients have expressed how much relief they have felt after their cases were filed and are now protected from the relentless collection activities they previously endured.

A bankruptcy case can also help individuals avoid some choices that they may want to avoid if they know about the enduring negative impacts those decisions may produce. For example, specific kinds of retirement plans are treated favorably under the Bankruptcy Code and our clients often protect their entire retirement accounts. Rather than drawing out some retirement funds to pay off a portion of some debts only to end up filing for bankruptcy relief, we can help our clients keep their hard-earned money in their retirement funds while addressing their outstanding debt.

Additionally, we have seen instances where individuals struggling to make payments on credit card debt have taken out second mortgages against their residence by using the hard-earned equity that has accumulated in their residential property. But, soon after obtaining the second mortgage, the individuals realize that not only could they not afford to pay the monthly credit card invoices, but they also cannot afford a second mortgage! Now, their residential property may be in jeopardy.

Contact our office if you are faced with a decision such as these. Our bankruptcy attorneys can discuss your circumstances with you and explain how bankruptcy can help you avoid one of these common mistakes that consumers make. Call us for your free consultation. 1-877-827-9006.

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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!

Somerset, PA


209 West Patriot Street
Somerset, PA 15501

Harrisburg, PA


3115 N. Front Street
Harrisburg, PA 17110

Harold Shepley & Associates LLC BBB Business Review

Altoona, PA


201 Cayuga Ave, Suite 11
Altoona, PA 16602

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.