Why We Are Different

What Sets Harold Shepley & Associates Apart from Other Companies?

It was bad experiences with bankruptcy attorneys which led Harold W. Shepley to begin practicing bankruptcy law in the first place - we're here to keep you from having to feel the same shame and frustration that he did.

We will do everything we can to help you avoid bankruptcy and reduce your principal and interest payments instead, making them feasible for you to handle on a monthly basis. And we'll treat you with the respect and attention you deserve while we do it.

Call us at 877-827-9006 today or contact us online and see why people turn to the supportive bankruptcy and debt negotiation attorneys at Harold Shepley & Associates.

Harold Shepley & Associates Other Companies
We go beyond simply reducing interest rates. Often we will negotiate the principal itself to 40% or less. In nearly every case the payment reduction is drastic. They may simply negotiate the interest rates with little or no reduction in the monthly payment. With little or no relief, most clients quit within the first year.
As a law firm, Harold Shepley and Associates is better poised to make payment reduction settlements and is taken seriously by creditors. We will sue creditors who violate client rights. They are often not law firms and thus are not taken seriously by the creditors. Their clients often continue to receive harassing calls with no relief in sight.
We send out cease and desist letters to each and every creditor that you choose in the program and notify them that all further contact must be to the firm - not you. They do not send any notification to the creditors at all. Meaning, the creditors do not know the negotiating company even exists. If you're lucky, they might instruct you to send a letter yourself.
We begin the loan payment reduction process by communicating with the creditors immediately upon receipt of billing statements and first payment from you. They will not begin negotiations until you have paid enough to both commence a settlement and pay their fees. Some may even wait until all funds and fees are completely paid for all the client's debts.
We encourage clients to bring all of their unsecured debt into the program. It is our belief that in order to properly serve you, a solution for all unsecured creditors needs to be established. They will only take certain debts into their program leaving the client to deal with the most difficult creditors on their own. This often results in the client filing bankruptcy after spending thousands of dollars to settle the easy debts.
We draft funds on a monthly basis which are held in the law firm's escrow account until the time of settlement. This actually approves our relationships with creditors and allows us more flexibility with your case. They rely on the clients to save their own money in their own bank account. When a settlement is reached the company contacts the client to release the funds.
We will defend lawsuits in Pennsylvania and file bankruptcy in Pennsylvania, when necessary. When a client is sued, the company simply tells the client that the debt needs to be removed from the program and informs the client that they will have to handle it on their own.
We have no cancellation fees. They have cancellation fees which can be as high as $1000 or more.
We do something no other company does. We will complete a settlement even if we have to wait for our fees. They will not complete a settlement unless there is enough money available to cover their settlement fees.
Our staff is unparalleled. Our Chief Negotiating Attorney is in fact the past President of the Pennsylvania Debt Collectors Association. They do not have the proper background or experience. They are in business to make quick, easy money and simply disappear.

We do everything in our power to set our clients up for success. Our ultimate goal is to offer Pennsylvanians the opportunity to live debt free and avoid bankruptcy whenever possible.

If you are looking for help with bankruptcy, debt negotiation, mortgage foreclosure, or any of the other services that Harold Shepley & Associates offers - please, call us today at 877-827-9006 or contact us online any time for more information.

We can help and we are waiting to hear from you.

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.