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Bankruptcy Consultation – What You Need to Know
So, you’ve made an appointment for a consultation with a bankruptcy lawyer. Congratulations on taking the first step towards financial freedom! After you take some well-earned time to pat yourself on the back, you should start prepping for your visit. Do not go to your consultation meeting empty-handed. The more prepared you are, the more […]
February 16, 2012 Posted in Bankruptcy Tagged bankruptcy, bankruptcy attorney, file for bankruptcy, Harrisburg, Pennsylvania, Pittsburg Leave a comment
Top Five Reasons for Family Financial Distress
Many times people find themselves in financially distressful situations but are not exactly sure how they got there. Often times it is a combination of factors that leads to this type of situation. If you are able to recognize this early on, you may be able to avoid the consequences that come with these dangerous […]
February 13, 2012 Posted in Bankruptcy, Financial Distress Tagged bankruptcy, debt, financial distress, Harrisburg, Nationwide, Pennsylvania, Pittsburg Leave a comment
Watch Out For That Holiday Debt
Even though the holidays are over, it’s never too early to get ready for next year. During the holidays, many people fall into debt, but with careful planning, you can get through without financial worry. I recently spoke to the Daily American newspaper about the growing problem of holiday—and everyday—debt. If you find yourself falling […]
February 9, 2012 Posted in Debt Tagged debt, Harold Shepley & Associates, holiday debt, Pennsylvania Leave a comment
Obama’s HARP Re-vamp – Some Homeowners Still Out of Luck
In October 2011, the Obama administration announced additional steps to try and help people lower their mortgage payments by allowing more of them to refinance—even if they owe more than their property is worth. The White House is taking these steps because of today’s financial climate, where many people are in debt and unable to […]
February 6, 2012 Posted in Bankruptcy, HARP Tagged bankruptcy, debt negotiation, HARP, mortgage modification Leave a comment
Avoiding Mistakes After Bankruptcy
Once you have gone through the bankruptcy process, and come out safely on the other side, remember that you’re not quite done yet. There is still work to be done in getting on the right financial track. Bankruptcy can be a great opportunity to develop new, good financial habits and avoid some known credit pitfalls. […]
February 2, 2012 Posted in Bankruptcy Tagged bankruptcy, file for bankruptcy, Harrisburg, Nationwide, Pennsylvania, Pittsburg Leave a comment
The Harold Shepley Story – A Lawyer Who Truly Understands
A Message from Attorney Harold Shepley: I know how you feel because I have been there. I have been through the gambit of emotions just like you are going through. I also know that sometimes realizing you are not alone can make all the difference. I too have found myself between jobs and barely able […]
January 30, 2012 Posted in Bankruptcy Tagged bankruptcy, Harold Shepley, Harrisburg, Pennsylvania, Pittsburg Leave a comment
Falling Behind on Debt—You DO Deserve Help
The dictionary defines debt as: something that is owed or that one is bound to pay. We have all been in some form of debt at one time or another. People accumulate debt for many reasons. Here are just a few: Job loss Medical bills Exhausted unemployment benefits Divorce/separation Victim of predatory lending Underemployment or […]
January 26, 2012 Posted in Bankruptcy, Debt Tagged debt, debt negotiation, debt relief, Pennsylvania Leave a comment
Credit Counseling vs. Hiring an Attorney
“We’ll help eliminate your debt!” “Free credit counseling!” “We’ll get you debt-free!” “Get relief for just pennies on the dollar.” Sound familiar? If you are having money troubles, commercials and ads like these might seem like the answer to your prayers. But is there more to this story than meets the eye? You might assume […]
January 23, 2012 Posted in Debt Tagged credit couseling, Harrisburg, hiring an attorney, Pennsylvania, Pittsburg Leave a comment
Home Equity Loans – The Double Edged Sword
Home equity loans can fix short term cash flow issues. If you need a large sum of money for things such as a child going off to college, a wedding, or home repairs, accessing the equity in your home might be an option, but buyer beware. Let’s examine why. Two initial problems immediately come to […]
January 19, 2012 Posted in Debt, Home Equity Loans Tagged home equity loans, loans, Pennsylvania Leave a comment
Why Some “Free Credit Reports” Are Not Free
Have you ever heard that catchy jingle on TV that talks about a free credit report? Did you inquire more with a visit to their web site, only to be either disappointed, or worse, fooled into paying for something that you thought was free? We see it happen all the time. Because of the proprietary […]
January 16, 2012 Posted in Credit Tagged credit, Credit Report, Harrisburg, Pennsylvania, Pittsburg Leave a comment
