Debt Negotiation and Debt Settlement in Pennsylvania

How does Debt Settlement work in Pennsylvania?

We begin with a free consultationNo travel is required. This free consultation can be done right over the phone. One of our debt counselors will discuss your financial situation with you. We will determine a monthly payment that is significantly lower than your current payment for your unsecured debt. This new payment is then drafted monthly into the law firm's escrow account on your behalf. This money will be held until a settlement is reached with your creditors.

When you come aboard for our debt negotiation services, a cease and desist letter is sent to all of your creditors, letting them know that all future contact must be directed to our law firm. That means NO more harassing phone calls!!!

Wow, wouldn't it be nice to answer the phone again knowing there isn't a creditor on the other end of the phone.

A better approach to debt relief

It seems like these days, many law firms and other agencies who deal with debt relief are just in it for a quick buck. They don't want to hear your concerns - they just want your filing fees and any other money they can get from you, and then they want to be done.

We are a different story entirely. Our founder, Attorney Harold Shepley, began practicing bankruptcy law and debt law because he also struggled with overwhelming debt and the anxiety, fear, and stress it can inject into your life.

Fear no more - when you contact Harold Shepley & Associates, you gain the full support and knowledge base of our friendly debt experts.

What debt negotiation is not

This is not a loan. We use your money to pay your creditors.

This is not Consumer Credit Counseling. Consumer Credit Counseling only reduces the interest rate which typically doesn't even reduce your monthly payment. Over 85% of the people who join Consumer Credit Counseling will fail.

A habit of success

When you choose Harold Shepley & Associates to negotiate your debt, our attorneys will actually negotiate the principal itself. This always creates a lower monthly payment and depending on your point of view, a negative interest rate.

We currently have a successful completion rate of over 85%. Harold Shepley & Associates has been achieving this success rate for over a decade. Typically the only way clients fail is due to losing a job, divorce, or some other unforeseen circumstance. As long as they can make the monthly payment, setting their debt for far less than they owe is not a problem.

Why Harold Shepley & Associates?

We are a full service debt relief law firm. Notice the words "law firm". There are many "fly-by-night" companies and many of which are not law firms. We have an impeccable rating with the Better Business Bureau (BBB). Most companies do not belong or have very low ratings.

We start communicating and negotiating with your creditors immediately after receiving your initial payment and paperwork. Most companies won't even talk to your creditors until you have enough money saved to both settle the debt and pay their fees.

The creditors have attorneys working for them. Isn't it time that you had attorneys working for you too?

Just think about it. It is almost like getting a top rated law firm for FREE. As an example, you owed $20,000 and we got you out of debt for $14,121.00 with fees included. Not only did you save money, but you hired an attorney to handle everything in the process. And the savings doesn't stop there. If you actually paid back this debt over time, it could cost you 20 years and $98,640.

For more information on debt negotiation services, please call us today at 877-827-9006 or contact us online any time and see how the caring and compassionate attorneys at Harold Shepley & Associates, LLC can help guide you through this rough patch.

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!

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.