Tag Archives: Harrisburg
Harrisburg’s City Debt on Hold for Bankruptcy Ban
Times have been tough for everyone since the financial crisis nearly five years ago, and inescapable debt has become a fact of life for many people, businesses and even municipalities. Pennsylvania’s capital city of Harrisburg is currently under the specter of bankruptcy. The governor plans to sign a bill extending a bankruptcy filing ban, currently […]
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 […]
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 […]
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 […]
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. […]
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 […]
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 […]
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 […]
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 […]
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 […]
