Business Details
Your Trusted Debt Relief Law Firm in Pennsylvania
Harold Shepley & Associates is a full-service debt relief law firm dedicated to helping Pennsylvania residents overcome financial challenges. With decades of combined legal experience, our team of attorneys specializes in debt negotiation, bankruptcy, foreclosure defense, and litigation to protect clients from creditor harassment. We prioritize personalized solutions, leveraging our expertise to create tailored strategies that align with each client's unique financial situation. Our firm operates with a deep understanding of the emotional and economic stress debt causes, offering compassionate guidance while upholding the highest standards of legal professionalism.Headquartered in Somerset with offices across Pennsylvania, we provide accessible consultations and work relentlessly to stop wage garnishments, lawsuits, and property loss. Our commitment to transparency, ethical practices, and client education has established us as a trusted advocate for individuals seeking financial freedom.
Services
Debt Negotiation
Bankruptcy Filings
Foreclosure Defense
Litigation Defense
Estate Planning
Mortgage Relief
Loss Mitigation
Short Sale Assistance
Creditor Harassment Protection
Financial Restructuring
Highlights and features
- Our attorneys have decades of combined experience in debt relief law
- We develop customized solutions instead of one-size-fits-all programs
- Licensed law firm with legal authority to stop creditor lawsuits
- Multiple office locations serving all Pennsylvania communities
- Founders personal experience overcoming financial hardship informs our approach
What people say
Compassionate guidance
Effective debt solutions
Professional attorneys
Stopped foreclosure
Personalized approach
Services
Debt Negotiation
Our debt negotiation service works directly with creditors to reduce total balances owed while creating manageable payment plans. We help clients avoid bankruptcy by negotiating settlements often as low as 60 cents on the dollar. This legal process protects clients from lawsuits while restructuring unsecured debts like credit cards and medical bills.
Bankruptcy Filings
We guide clients through Chapter 7 and Chapter 13 bankruptcy options to eliminate or restructure debt. Our attorneys protect assets through Pennsylvania exemption laws while stopping creditor actions through automatic stay protections. We provide complete documentation preparation and court representation throughout the bankruptcy process.
Foreclosure Defense
Our foreclosure defense service challenges improper lender practices and negotiates alternatives like loan modifications or short sales. We use loss mitigation strategies and legal challenges to stop home seizures while helping clients maintain property ownership through court-approved repayment plans.
Litigation Defense
We defend clients against debt collection lawsuits by challenging creditor claims and procedural violations. Our legal team files formal responses, represents clients in court, and negotiates dismissals or favorable settlements to prevent wage garnishments and property liens from collection actions.
Estate Planning
Our estate planning service creates wills, trusts, and inheritance strategies to protect assets for future generations. We help clients establish legal frameworks for property distribution while minimizing tax liabilities and ensuring family financial security through comprehensive estate documentation.
People
Harold W. Shepley
Founder & Lead Attorney
With personal experience overcoming bankruptcy, Harold brings unique empathy to debt relief law. He established the firm to help others navigate financial crises through legal solutions while maintaining dignity and control over their futures.
J. Chad Moore
Attorney
Chad specializes in bankruptcy and foreclosure defense with focus on protecting client assets. He combines legal expertise with compassionate counseling to help families maintain homes and financial stability through complex debt situations.
Daniel J. Boger
Attorney
Daniel focuses on debt negotiation and litigation defense, advocating for clients against aggressive creditors. He prioritizes practical solutions that resolve immediate financial crises while creating long-term debt management strategies.
Leah M. Stump-Lesley
Attorney
Leah specializes in family law matters during financial distress. She guides clients through divorce proceedings and custody arrangements while addressing debt-related challenges that impact family financial well-being.
Jeffrey W. Ross
Attorney
Jeffrey handles estate planning and asset protection cases. He helps clients structure wills and trusts that preserve wealth while navigating debt obligations to ensure financial legacies survive creditor claims.
Questions
What debt relief options exist besides bankruptcy?
We offer debt negotiation, loss mitigation, and settlement programs that restructure obligations without bankruptcy. Our attorneys evaluate your situation to recommend the best path for eliminating debt while protecting assets.
How does debt negotiation work legally?
We act as legal representatives to negotiate reduced balances with creditors. This process uses formal legal communication to achieve settlements often below 60% of original amounts while stopping collection actions during negotiations.
Can bankruptcy stop wage garnishment immediately?
Yes, filing bankruptcy triggers an automatic stay that halts all collection activities including wage garnishments. Our team helps determine whether Chapter 7 or 13 provides the best long-term solution for your specific circumstances.
What happens during foreclosure defense?
We examine lender practices for legal violations, negotiate loan modifications, and file court challenges to stop home seizures. Our defense strategies include proving financial hardship and demonstrating eligibility for mortgage relief programs.
Are initial consultations truly free?
Yes, we provide no-cost initial consultations to assess your debt situation. This includes reviewing financial documents, explaining legal options, and outlining potential strategies without any obligation or charge.
How long does debt relief take?
Resolution timelines vary: negotiations typically take 2-4 months while bankruptcy cases last 3-5 months. We prioritize urgent cases with imminent legal actions and develop accelerated strategies for clients facing immediate financial threats.
