Your Debt Relief Options

Your Debt + Our Law Firm = A Solution

As you try to deal with your debt, you may be presented with a variety of relief options. Some of them are good. Some of them are not so good. How do you choose which option will be the solution that is right for you?

We can help. At the law firm of Harold Shepley & Associates, we will take the time to carefully analyze your situation. We will work closely with you to determine which debt relief option makes the most sense for your situation.

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E-mail us or call us at 866-644-2690 to get more information about your options and the importance of having a team of debt relief attorneys on your side.

Your First Option

Of course, the first option is to keep making your payments. You've undoubtedly tried this one already, only to see the debt keep piling up. Even if you're able to get your creditor to lower your monthly payments, you may just get in deeper. If you have $20,000 in debt at 20% interest and they lower your payments to $400 a month, you'll be paying for 108 months. You can't pay less than $300, or you'll never pay off your debt because you won't even be paying your monthly interest.

We believe that we offer better debt relief options:

Your Second Option

Our one-of-a-kind debt negotiation program is your second option. If you are in the financial situation outlined above, we could have you out of debt in a little over a couple of years and on your way to a financially sound future.

Your Third Option

Bankruptcy is your third option. Chapter 7 bankruptcy can help you completely liquidate your debts so you can get started rebuilding as soon as possible. Chapter 13 bankruptcy allows you to keep much of your property while putting together a payment plan to get you in the clear quickly.

The Other Options

You may be presented with other debt relief options, including refinancing your home. This can be a risky path, one that could end with the loss of your home. In addition, you may be presented with opportunities to enlist a consumer credit counseling service or a debt settlement service.

Before you choose any of these, we encourage you to discuss the matter with our full service debt relief law firm. We want to make sure that you have all of the knowledge you need to make the debt relief option that is right for you.

Contact us today to schedule a free consultation. From our offices in Somerset, PA, our team of lawyers is available to serve people throughout Pennsylvania and across the country.