Blog
Help! My Credit is Shot!
Many people today are suffering due to low credit scores. Often this is because of derogatory or fraudulent information on their credit reports. This damage can result from a variety of factors. There are three main contributors to low credit scores. Delinquency due financial distress Bankruptcy / debt relief / debt repayment programs Reporting of […]
January 12, 2012 Posted in Credit Tagged bad credit, credit, credit help, Harrisburg, Pennsylvania, Pittsburg Leave a comment
Bankruptcy in Pennsylvania – The Means Test – Will I Pass?
In seeking relief from overwhelming debt, people often think that bankruptcy is the best choice. Many people think Chapter 7 liquidation bankruptcy is the best option for them. However, in order to be eligible, you must first pass a means test. This means test involves comparing your income to those of other families in the […]
January 9, 2012 Posted in Bankruptcy, Chapter 13, Chapter 7 Tagged bankruptcy, chapter 13, chapter 7, Harrisburg, Pennsylvania Leave a comment
Not All Bankruptcy Attorneys are Created Equal
If you have seen one bankruptcy attorney you have seen them all, right? Wrong, not all bankruptcy attorneys are created equal. Each one has unique skills and experiences as well as a unique approach to dealing with their clients. These differences can have a great deal of impact on the process as well as your […]
January 5, 2012 Posted in Bankruptcy, Chapter 13, Chapter 7 Tagged attorneys, bankruptcy, Harold Shepley & Associates LLC, Harrisburg, Pennsylvania, Pittsburg Leave a comment
Mortgage Modification – Do You Qualify?
Are you having trouble making the payments on your mortgage? Are you fearful of losing your home? Before throwing up your hands and declaring bankruptcy, you may want to look into something called mortgage foreclosure defense. Mortgage foreclosure defense is not the same as a refinance. With a mortgage refinance, you are looking for an […]
January 2, 2012 Posted in Mortgage Modification Tagged Harrisburg, mortgage modification, Pennsylvania, Pittsburg Leave a comment
Bankruptcy: Chapter 7 vs. Chapter 13
Deciding whether to file for bankruptcy is a complicated and important decision. If it is indeed the right choice for you, you and your attorney will need to decide what type of bankruptcy to file, Chapter 7 or Chapter 13. Let’s take a look at the pros and cons of each. Chapter 7 bankruptcy is […]
December 29, 2011 Posted in Bankruptcy, Chapter 13, Chapter 7 Tagged bankruptcy, chapter 13, chapter 7, Harrisburg, Pennsylvania, Pittsburg Leave a comment
When Filing for Bankruptcy, Experience Matters
Deciding whether to file for bankruptcy can be an emotional and bewildering process. It is advisable to hire an experienced bankruptcy attorney to help you through the journey. Bankruptcy is complicated, requiring a lot of paperwork and knowledge of state and federal laws. During this trying time, it is best to have a seasoned professional […]
December 26, 2011 Posted in Bankruptcy Tagged bankruptcy, filing for bankruptcy, Harrisburg, Pennsylvania, Pittsburg Leave a comment
Life After Bankruptcy – Simple Steps to Re-establish Credit
So, you have filed for bankruptcy and gone through the process. Now what? How do you move on? First, let go of any guilt and shame. It is time to start over. Bad things happen to good people all the time and you are not alone. A beginning step in starting over is re-establishing your […]
December 22, 2011 Posted in Bankruptcy, Chapter 13, Chapter 7, Credit Tagged bankruptcy, credit, Harrisburg, Pennsylvania, Pittsburg Leave a comment
How Mortgage Modification Can Help Save Your Home
Nothing is more frightening than the thought of losing your home because you can no longer afford the payments. Dozens of worst-case scenarios might run through your head—watching the bank foreclose on your home, running out of money, having no place to go, or even having to file for bankruptcy. Before resigning yourself to foreclosure […]
December 19, 2011 Posted in Mortgage Modification Tagged Harrisburg, mortgage, mortgage modification, Pennsylvania, Pittsburg Leave a comment
Bankruptcy Alternative Options Now Available
Just about everyone in the United States is carrying around some debt in one form or another. Unfortunately, it seems to have become a way of life. Sometimes that debt can become overwhelming and threaten to take over our entire lives. Bankruptcy may seem like the only option. Bankruptcy is a truly life-altering event; an […]
December 15, 2011 Posted in Bankruptcy, Chapter 13, Chapter 7 Tagged bankruptcy, bankruptcy alternatives, Harrisburg, Pennsylvania, Pittsburg Leave a comment
Debt Relief Options Come to Pennsylvania
If you are reading this — congratulations! It means you’re taking the first steps toward eliminating your debt. It is important to find a reputable debt relief attorney who will know what is best for you and your personal debt situation. Below are some different forms of debt relief options in Pennsylvania and throughout the […]
December 12, 2011 Posted in Bankruptcy, Debt Tagged debt, debt relief, Harrisburg, Pennsylvania, Pittsburg Leave a comment
