Blog
Avoiding Foreclosure
According to a recent article in the Daily American newspaper, last year at least 166 Somerset County properties were bank-owned, sold “short,” or foreclosed. We know this is just a fraction of what’s going on all across the state of Pennsylvania and the nation. Recently, Vohnie Lemon of Harold Shepley & Associates, told the Daily […]
March 22, 2012 Posted in Foreclosure Tagged attorneys, foreclosure, lawyers, Pennsylvania Leave a comment
Salvation Army Mentoring Program
A recent collaboration effort between the Somerset County Salvation Army, Harold Shepley & Associates, local banking and community groups, as well as local churches, sought to bring lasting help to hurting people. In an attempt to go beyond simply helping in the short term with assistance, this group sought a more long term solution. In […]
March 20, 2012 Posted in Volunteering Tagged Harold Shepley & Associates, LLC, Marilyn Trueblood, salvation army Leave a comment
Free Consultation – Fact or Fiction?
Many bankruptcy attorneys claim to provide a free consultation regarding your situation. The question is what is considered a consultation. This definition can vary wildly between attorneys. Currently, there is no regulation governing what a consultation may or may not cover, and for some it is extremely minimal. Some bankruptcy attorneys do not offer free […]
March 15, 2012 Posted in Bankruptcy, Free Consultation Tagged bankruptcy, free consultation, Harrisburg, Nationwide, Pennsylvania, Pittsburg Leave a comment
Searching High and Low: How Do I Find a Good Bankruptcy Attorney?
Finding a good bankruptcy attorney is like finding a good doctor. You may have to try a few before finding the right fit. But since we’re talking about your financial future here, it’s important to take the time to search out that correct fit. Here are some tips on finding a good bankruptcy attorney. Ask […]
March 13, 2012 Posted in Bankruptcy, Chapter 13, Chapter 7 Tagged Harold Shepley & Associates, Harrisburg bankruptcy attorney, Pennsylvania bankruptcy attorney Leave a comment
Are There Any Alternatives to Bankruptcy?
To many people, filing for bankruptcy is an “either-or” proposition. Either they continue to struggle, living pay check to pay check and paying only the minimum payment or they file bankruptcy and assume they lose everything. They put it off as long as possible—sometimes to their own detriment. However, there are alternatives to bankruptcy, and […]
March 8, 2012 Posted in Bankruptcy Tagged bankruptcy, Harold Shepley & Associates, LLC, Pennsylvania Leave a comment
Child Support and Bankruptcy
If you are paying child support and considering filing bankruptcy, you may be wondering how bankruptcy will affect your ability to make payments. Alternatively, if you are receiving child support from someone who is about to file bankruptcy, you may be wondering if he or she will still have to make payments. Here are some […]
March 6, 2012 Posted in Bankruptcy Tagged bankruptcy, child support, Pennsylvania Leave a comment
What Happens if I Can’t Pay My Student Loans?
If you’re falling behind on your student loans, you may be worried that your wages will be garnished or your tax refund will be taken. Bankruptcy no longer erases student loans, but there are other ways to address the situation. Even if you’re having financial problems, it’s important to keep paying your student loans. You […]
March 1, 2012 Posted in Student Loans Tagged debt, failure to pay, lawyer, Pennsylvania, student loans Leave a comment
Getting it All on Paper – How to Make a Budget
Congratulations! You’ve decided to make a budget. This is an important first step on the way to financial freedom. But where to start? It can seem overwhelming at first. But if you take it step-by-step, it’s relatively painless. There are many computer programs that will walk you through creating a budget, or you can make […]
February 28, 2012 Posted in Credit, Debt Tagged budget, debt, Harold Shepley & Associates Leave a comment
Jumpstart Your Financial Literacy
The best way to get out of debt and stay out of debt is to become financially literate. It’s easier to control your finances when you understand your finances and how they work. Don’t be afraid of money, and don’t let it control you. When you control your finances, you control your freedom and your […]
February 23, 2012 Posted in Financial Literacy Tagged financial distress, financial literacy, Pennsylvania Leave a comment
Common Budgetary Mistakes
There’s no one right way to do a household budget. It doesn’t really matter how you do it, just as long as it gets done. However, be careful you don’t fall into some of these common traps. Not planning for yearly expenses. When you make your budget, you put in your monthly expenses—groceries, electric […]
February 21, 2012 Posted in Bankruptcy Tagged bankruptcy, budgetary mistakes, Pennsylvania Leave a comment
