Harold Shepley and Associates, LLC is a full service debt relief law firm comprised of bankruptcy attorneys in Pennsylvania and financial professionals dedicated to helping individuals, families, and businesses who are struggling with an overwhelming amount of debt. We Are... Full Service ? We understand that people face a variety of difficult financial situations. We offer an equally diverse set of tools to eliminate your debt once and for all. Debt Relief ? We understand how the burden of debt can weigh you down. We provide solutions that eliminate debt and bring relief to your situation, turning your financial story into one of success. Law Firm ? As a licensed law firm, we provide the expertise and professionalism required to handle the most difficult situations. You need an advocate in your corner and we have the necessary leverage to bring you relief. Our Mission The goal of Harold Shepley & Associates, LLC is to keep people and businesses out of bankruptcy, if at all possible. We do this by providing quality assistance in eliminating debt and restoring credit. We have established six divisions within our law firm to accomplish this goal. 1.Bankruptcy 2.Debt Negotiation 3.Mortgage Modification 4.Family Law 5.Estate and Trust 6.Litigation Our Bankruptcy Division is made up of knowledgeable Pennsylvania bankruptcy lawyers who handle personal bankruptcy cases across the state of Pennsylvania. To save you time and expenses, much of our work is done through the mail and over the phone. In-office consultations are available upon request. Through our Debt Negotiation Division we work with individuals in all 50 states to reduce the total repayment amount on unsecured debt and ease the burden on hurting people. This service is outside the scope of legal representation in states other than Pennsylvania, but the overall results are much the same. The Mortgage Modification Division seeks to assist homeowners who can no longer afford their current mortgage payments due to financial hardship and burdensome ARM loan adjustments. We also assist clients who are unable to keep their home and need to arrange alternative release options, such as a short sale/deed in lieu for foreclosure. Our Family Law Division is established to defend victims affected by divorce. It is our goal to bring hope to difficult family situations. We use legal representation as well as compassion to manage these affairs with the care and attention needed. Our goal is to bring these matters to a peaceful and manageable resolution. The Estate and Trust Division works to establish the necessary structures, documents, and procedures to protect your interest in the event that you are unable to do so yourself. This is done by managing estates through trusts, wills, living wills and powers of attorney. Our Litigation Division is focused on defending the rights of those who have been victimized by the credit industry. For residents of the state of Pennsylvania we bring legal action against lenders for predatory lending practices, unfair debt collection practices, and violations of the FCRA (Fair Credit Reporting Act), the FDCPA (Fair Debt Collection Practices Act), and the FCEUA (Fair Credit Extension Uniformity Act). In addition, we offer legal services for individuals who have been sued for non-payment in the hopes of bringing their situation to a favorable result. Above all else, the services we provide are delivered with care and compassion. This is for two separate yet related reasons. First is Attorney Shepley?s devotion to his Lord and Savior, Jesus Christ. Additionally, Attorney Shepley knows how unpleasant the bankruptcy process can be, having experienced it himself. We work tirelessly to ensure that no individual ever has to go through the bankruptcy process unless absolutely necessary. The effort of this work is seen in our outstanding Better Business Bureau rating.