Defending Your Home

Defending Against Home Foreclosure

Preventing foreclosure may be easier than you think

Pennsylvania law allows foreclosure defense and loss mitigation under certain circumstances. Many people think that when they fall behind on bills for any reason that bankruptcy is their only option.

We're here to tell you there is hope. The percentage of loss mitigation requests which are approved annually are actually on the rise.

One of the reasons for that statistic is Harold Shepley & Associates. When Harold Shepley & Associates handles your foreclosure defense, we are very successful at working out lower monthly payments, lower interest rates, and lower mortgage principals with your lenders. Call us at 877-827-9006 for more information and a free consultation.

Special circumstances which allow loss mitigation or litigation

State law has set forth a number of provisions regarding the way in which creditors must act to protect you from being foreclosed upon unfairly. These include:

  • Predatory or unethical lending practices - If there is something seriously wrong with your mortgage, like unfair interest rates or an uncharacteristically high principle, you may be able to fight foreclosure on the grounds of unconscionable lending practices.
  • Military protection - Lenders are not allowed to foreclose on your home while you are on active duty as a member of the US military. If you are on active duty and facing foreclosure, contact us today for help requesting a postponement of proceedings.
  • Creditors not following procedure - Just like the complex guidelines for filing bankruptcy or attempting to get a loss mitigation, creditors must follow a series of rules and procedures to foreclose on your home. If creditors act outside of the guidelines, their foreclosure actions may not actually be valid.

You should always have legal representation when considering taking on a lender. Harold Shepley & Associates knows your rights and has the experience and know-how to handle your creditors and help you back on the path to financial freedom.

Call a foreclosure defense attorney you can trust

If you are having trouble staving off the creditors and are worried you may not be able to avoid foreclosure - please, call Harold Shepley & Associates at 877-827-9006 or contact us online today.

We understand your fears and concerns and we will do everything in our power to keep you in your home.

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.