At the law firm of Harold Shepley & Associates, we offer personal attention. We do this because we are truly committed to doing what is right for you. That means getting to know your situation. It also means being there to answer all of your questions.
To get started, here are some of the most frequently asked questions about the debt negotiation process:
Will I lose my car, my home and other major property?
Debt negotiation is intended to allow you to keep your property.
Will this get creditors to stop harassing me?
Our team of attorneys will strive to make the calls stop. We have extensive experience working directly with creditors to accomplish this goal.
How much of an impact will this have on my credit?
Because we do not pay your creditors monthly, your credit score will be negatively affected. However, you will see marked improvement of your credit score as your debts become settled and your program is completed. We have had client complete the program with credit scores over 600 and 700, which is often high enough to qualify for mortgages and car loans.
How will the process take?
Not nearly as long as continuing to make monthly payments at your creditor's high interest rates. In fact, we are able to resolve most matters in a couple of years.
Will this be kept private?
Unlike bankruptcy, debt negotiation is not a legal action. It will not be reported in the newspaper. It will remain between you, us, your creditors and anyone else you wish to tell.
How much does it cost?
Our payment plans are designed to make debt negotiation work for you. We understand that you have enough of a financial burden already. We don't want to add to it.
Do I have to travel?
Typically, we are able to complete the process over the phone and through the mail.
Do you offer free consultations?
Yes, we do. E-mail us or call us at 866-644-2690 today to discuss your case with our debt negotiation team. Our lawyers are here to see that all of your questions are answered.
Our full service debt relief law firm provides debt negotiation services to people in throughout Pennsylvania and across the country from offices in Somerset, PA.
We help people avoid bankruptcy or file bankruptcy under the bankruptcy code, if necessary.
