Tag Archives: Harold Shepley & Associates
Credit Cards and Bankruptcy
With credit cards as easy to get as ever and disruptions to income, such as job loss or serious medical disability, occurring to people every day, it’s no wonder that credit cards make up a large portion of discharged debt in bankruptcy. Here are a few things to note when considering bankruptcy as an option […]
What if I Own Joint Debt with Someone Who Files for Bankruptcy?
Bankruptcy can be filed by one spouse without the other. If your spouse files for bankruptcy, it does not automatically bring you into bankruptcy. Similarly, the bankruptcy of a spouse doesn’t give you the protection of automatic stay or bankruptcy debt discharge. Following are some more ways bankruptcy and marriage are related: Joint debt. With […]
How Do I Pay for My Bankruptcy Attorney?
It may seem counter-intuitive, but it’s a fact – filing for bankruptcy and hiring a bankruptcy attorney costs money. But how do you get that money if you are filing for bankruptcy? Aren’t you filing for bankruptcy because you have no money to spare? Just because you are lacking in funds doesn’t mean you shouldn’t […]
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 […]
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 […]
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 […]
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 […]
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 […]
