Johnstown, PA Bankruptcy Lawyers
Johnstown Debt Relief and Debt Negotiation Lawyers:
Licensed and experienced to practice:
in Johnstown and all of Pennsylvania.
Harold Shepley & Associates has been helping Johnstown families get out of debt with Bankruptcy and Debt Negotiation for over 15 years. Johnstown has faced tragedy and devastation and still preservers. Sometimes even the strongest and toughest still need a helping hand. Harold Shepley & Associates is here to help Johnstown and surrounding communities with Bankruptcy or an affordable payment plan.
Don’t risk losing your car or your house. Call Harold Shepley & Associates and fight to keep the things you have worked so hard to achieve.
Remember, you have nothing to lose but your debt.
Johnstown
Satellite Office
What Our Clients Say
"My husband became disabled and could no longer work, which made paying off debt we accumulated very difficult due to the loss in income. We tried a debt management program, which reduced our monthly payments a little bit, but we ended up getting credit cards to get through until it was paid off.
We then re-enrolled into the debt management again to pay off those credit cards, and it was a vicious cycle where we ended up accumulating more credit cards again (to cover things like vehicle repairs, major appliances, etc.). We enrolled in the debt settlement program with Harold Shepley and we're now debt free! All of the staff were very professional and the program was much more affordable."
Bankruptcy Lawyers Serving all of Pennsylvania
Altoona – Bedford – Blairsville – Butler – Connellsville – Cranberry – Ebensburg
Greensburg – Harrisburg – Huntingdon – Johnstown – Indiana – Lancaster – Monroeville
Pittsburgh – State College – Somerset – Uniontown – Washington – York
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Debt Relief FAQ's
The goal of debt consolidation is to make your debt payments manageable and save you money. It can be a sound approach to achieving financial health but should be approached carefully and with expert guidance.
Using a 0% interest balance transfer credit card may seem tempting, but what will happen to your debt and monthly payments if you can’t pay off your debt during the promotional period? Your new balance could sky rocket with an interest rate of 29% or more creating an unaffordable monthly payment.
Yes.
We Are A…
Full Service
We understand that people face a very wide variety of difficult financial situations. We don’t just send you through some premade program; we really listen to what you have to say and work with you to develop the debt relief solution that works for you.
Debt Relief
We know firsthand how heavily debt can affect every aspect of your life. Harold Shepley & Associates is by your side every step of the way to guide you through these troubling times and on to a brighter financial future.
Law Firm
As a licensed law firm, we have the knowledge and experience to effectively handle the most difficult debt situations. You need someone working with you, for you. You need someone who truly cares, someone who has been in your shoes. You need Harold Shepley & Associates.
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.
- Don’t ignore them – Often times the calls are so overwhelming that people are tempted to just let them ring. All experts say this only makes it worse. The quicker you begin to deal with them, the quicker you can be done dealing with them.
- Get a lawyer – An experienced attorney like the ones at Harold Shepley & Associates will be well versed with federal guidelines preventing debt collectors from acting in certain unethical ways to obtain their money, like fear tactics or impersonating law enforcement. The collectors have attorneys working for them, you should get one working for you.
- Keep your records – Debt collectors can lose or sometimes never receive proof that you have paid your debts. Always safeguard your important documents such as paid in full notices and receipts of final payment, as well as initial contracts. It’s much harder for collectors to get money you don’t owe them if you’ve got proof that you’re paid up.
Collectors will sometimes even resort to illegal means to attempt to get money from you. Don’t let yourself be intimidated; don’t let yourself be bullied – know your rights and don’t be afraid to use them.
Without question – yes.
If you still have a steady income but just aren’t making enough money to cover even the minimum payments on your credit obligations, then debt negotiation may be the best of your alternatives to bankruptcy.
Debt negotiation as a process, however, is complex and full of intricacies. Without a proper attorney to help them, most average folks wouldn’t even know where to begin.
That’s where we come in. The experienced attorneys at Harold Shepley & Associates are well-versed in debt negotiation, foreclosure defense, bankruptcy law, and more.
In addition to giving you the confidence of an experienced professional beside you, the debt negotiation attorneys at Harold Shepley & Associates can:
- Reduce your overall debt – We work with creditors to reduce the actual amount of money you owe and lengthen payment periods. We are frequently successful at minimizing your debt to as little as 60 cents per dollar owed.
- Guard you against litigation – Some forms of settlement can still leave you open to be sued by your creditors. When you work with the experienced attorneys at Harold Shepley & Associates, we ensure that terms are included in your agreements that prevent this from happening.
