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Harold Shepley & Associates, LLC
209 W Patriot St, Somerset, PA 15501-1563
(814) 443-4564
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Starting Off Right with Budgeting Tips - In our consumer-driven society, young people are pressured into spending their hard-earned money, but most are not encouraged to save money. Credit card companies routinely bombard them with new ways to finance a made-for-television lifestyle. You can prepare your children for a better future by helping them develop good financial habits at home. Start with... Read More http://ow.ly/2BMCep
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Why You Need a Lawyer for Debt Negotiation - If you have regular income but can no longer afford to make the minimum payments on your unsecured debt — credit card bills, medical bills, apartment leases, cell phone bills, utilities — your debt may be a good candidate for negotiation.  Creditors may agree to accept less than the full amount of your debt under... Read More http://ow.ly/2ABo79
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Good Days May be Ahead for Pennsylvania’s Economy: Recent news reports indicate that the economy in Pennsylvania is showing slight signs of improvement. According to the state's Department of Labor (DOL), Pennsylvania's unemployment rate dropped to 7.5 percent in May. In addition, the DOL calculated an additional 24,000 new jobs to the state, the highest increase in month since 1983. Furthermore, DOL data showed that 9,000 fewer people filed for unemployment benefits in May. A final indicator of overall economic improvement is the unemployment which fell below 7.6 in May, the lowest since the start of the recession in 2009. Pennsylvania's unemployment rate was even below the national average.

What do economy indicators mean to you?

The creation of jobs means that wealth is being created and distributed. New jobs are one of the best indicators of economic growth. On the contrary, if new jobs aren't created or if people are losing their jobs, then individuals, families and the region at large may experience a depressed economic state.  Being employed with reliable income means you can pay for your general expenses, such as food, clothing, and utilities as well as meet your debt obligations.

Debt relief options

As the economy in Pennsylvania continues to show improvement, some people may still be experiencing financial challenges and need help getting out of debt. You can choose between several options to resolve your debt issues.  Among them is debt negotiation.  This process involves convincing one or more of your creditors to reduce your debt balance. Both sides benefit: you are able to pay off your debt at an amount you can afford and your creditors receive payments that may otherwise be wiped out in a bankruptcy.

An experienced Pennsylvania debt relief attorney can help you reach a successful settlement on your outstanding bills.  For a free evaluation of your debt situation, call Harold Shepley & Associates today, because you have nothing to lose but your debt.

#PennsylvaniaDebtReliefAttorney #DebtReliefOptions #DebtNegotiation  
http://www.shepleylaw.com/debt-negotiation/
 
As the economy in Pennsylvania continues to show improvement, some people may still be experiencing financial challenges and need help getting out of debt.
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Filing for Bankruptcy can Immediately Relieve Creditor Collections: Among the many benefits that come with filing for bankruptcy is stopping creditor collections. Once you file your Chapter 7 or Chapter 13 bankruptcy petition a special court injunction—known as the automatic stay — halts creditors from coercing you to pay on your debt. With few exceptions, most any creditor that you name on your bankruptcy petition must abide by the automatic stay. This means that you won't face formal legal processes such as property foreclosure, wage garnishment repossession, civil lawsuits as well as informal demands for payments, such a phone calls or letters while the automatic stay is in place. Criminal proceedings and child support collection methods are exempt from the injunction.

Duration of the automatic stay

As the name implies, you do not need to request the bankruptcy court for the automatic stay to go into effect. Unless you filed a previous Chapter 7, 11, or 13 bankruptcy within the last year, the stay remains in force until one of the following happens:

- property or asset moves outside the bankruptcy estate
- bankruptcy court orders a dismissal of the case
- bankruptcy court closes the case
- bankruptcy court either grants or denies a discharge

Remedies for violating the automatic stay

Upon filing your petition, the bankruptcy court mails a notice of bankruptcy filing to all the creditors you itemized on your petition. The purpose, among other things, is to inform the creditors of their rights and responsibilities during the bankruptcy. If one of your creditors moves forward with collecting on debt in violation of the automatic stay, then you will be entitled to damages, actual and punitive and you may recover your attorneys' fees.

Creditors may have a defense against a debtor's claim that they violated the automatic stay if the creditors can demonstrate that they had no knowledge of bankruptcy filing. Therefore, you must be sure to include all of your creditors on your bankruptcy petition.

Contact us to learn more about the benefits of filing for bankruptcy. During your free consultation, our experienced Pennsylvania bankruptcy attorneys at Harold Shepley & Associates will evaluate your circumstance to determine the best debt relief route for you.  You have nothing to lose but your debt.

#PennsylvaniaBankruptcyAttorneys #AutomaticStay #CreditorHarassment
http://www.shepleylaw.com/bankruptcy/
 
Once you file your Chapter 7 or Chapter 13 bankruptcy petition a special court injunction—known as the automatic stay — halts creditors from coercing you to pay on your debt.
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Have them in circles
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Things to Consider Before Filing Bankruptcy - Thousands of people file bankruptcy in Pennsylvania for various reasons. Some file to save their home in the face of foreclosure. Others may file because they lost their jobs and the debts just keep accruing. The circumstances leading up to bankruptcy are never simple, and the decisions you make before you file may become defining... Read More http://ow.ly/2BGUle
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Good Days May be Ahead for Pennsylvania’s Economy
Recent news reports indicate that the economy in Pennsylvania is showing slight signs of improvement. According to the state’s Department of Labor (DOL), Pennsylvania’s unemployment rate dropped to 7.5 percent in May. In addition, the DOL calculated an additional 24,000 new jobs to the state, the highest increase in month since 1983. Furthermore, DOL data…http://ow.ly/q9GrO
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Good Days May be Ahead for Pennsylvania's Economy - Recent news reports indicate that the economy in Pennsylvania is showing slight signs of improvement. According to the state's Department of Labor (DOL), Pennsylvania's unemployment rate dropped to 7.5 percent in May. In addition, the DOL calculated an additional 24,000 new jobs to the state, the highest increase in month since 1983. Furthermore, DOL data... Read More http://ow.ly/2ABo78
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Why You Need a Lawyer for Debt Negotiation: If you have regular income but can no longer afford to make the minimum payments on your unsecured debt — credit card bills, medical bills, apartment leases, cell phone bills, utilities — your debt may be a good candidate for negotiation.  Creditors may agree to accept less than the full amount of your debt under certain circumstances, particularly if you are experiencing financial stress. Although not required, you can fare better in a settlement when you employ the services of an experienced debt relief attorney.

Here are some of the advantages to having an attorney conduct your debt negotiations:

Protection from collection law suits

Some debt repayment plans, such as credit counseling, may leave you vulnerable to litigation involved with debt collections should you fail to meet your obligations or at any other time during the process. In contrast, a settlement agreement reached with an experienced attorney can include terms to prevent your creditors from pursuing collections against you during your repayment process.

Payment of less than the balance you owe

Partial payments on your total debt – you could end up paying more on your debt if you try to negotiate on your own or without an experienced attorney.  A debt negotiation attorney can finalize a reduction of up to 60 cents on the dollar for your repayment. In addition, the settlement can include removing your payment obligations associated with late fees and can lower your interest rates. Through this process, you can save a significant amount of money and reduce your stress level.

Protection from debt settlement scams

Unfortunately, some companies that offer debt relief services are really crooks out to take your money. The Federal Trade Commission reminds consumers that it is illegal for companies to demand fees in advance for debt settlement services.  You don't have to worry about falling victim to a well-organized scam, if you retain the services of a competent lawyer.

All you have to lose is your debt, so contact Harold Shepley & Associates, LLC for honest and successful settlement services. After a free evaluation of your debts, our experienced attorneys can help you resolve your problems.

#PennsylvaniaDebtReliefAttorneys #DebtNegotiation #DebtSettlement
http://www.shepleylaw.com/debt-negotiation/
 
Here are some of the advantages to having an attorney conduct your debt negotiations.
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What You Can Expect at the Bankruptcy Creditor’s Meeting: Not long after you file your Chapter 7 or Chapter 13 bankruptcy petition, the court will appoint a trustee who will oversee the management of your case. In addition to reviewing your petition and various schedules you file, the trustee gathers information about your financial state. This includes presiding over a section 341 hearing — otherwise known as the 'meeting of the creditors'. Sometimes people feel nervous about the 341 hearing meeting—not knowing what to expect.  There is no cause for alarm because typically, the simple process lasts only about 15 minutes.

Preparing for the meeting of the creditors

Though simple, the creditor's meeting is an important procedure in the bankruptcy process. The Bankruptcy Rules requires you to make an appearance.  Your failure to attend can lead to the court lifting the automatic stay protection — the injunction that prohibits your creditors from pursuing collections against you during your bankruptcy — and even dismissing your case. On the other hand, your creditors are not required to appear and they usually don't.

After administering the oath, the trustee will ask you several questions about the bankruptcy petition you filed. The questions may be directed about your assets, any exemptions you claimed or your expected future income. Because you are under oath, you are required to answer all of the questions completely and honestly.

When you come to the meeting you must show the following items to the trustee:

- Valid identification – driver's license or other photo identification issued by the government and your social security card
- Financial documentation which includes proof of your current income, a statement of any of your financial accounts and your current monthly expenses
- Federal income tax returns that you submitted recently
 
The importance of the meeting of the creditors cannot be overstated. The Pennsylvania bankruptcy attorney at Harold Shepley and Associates can get you properly prepared to help eliminate any anxiety you may have.   Call us for a free consultation. You have nothing to lose but your debt.

#PennsylvaniaBankruptcyAttorneys #CreditorsMeeting #341Hearing
http://www.shepleylaw.com/bankruptcy/
 
Sometimes people feel nervous about the 341 hearing meeting—not knowing what to expect.  There is no cause for alarm because typically, the simple process lasts only about 15 minutes.
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Somerset debt negotiation lawyers serving clients throughout the state of Pennsylvania for all aspects of law including but not limited to Debt Negotiation,Bankruptcy,Credit Restoration, and Mortgage.
Hours
Monday9:00 am–5:00 pm
Tuesday9:00 am–5:00 pm
Wednesday9:00 am–5:00 pm
Thursday9:00 am–5:00 pm
Friday9:00 am–5:00 pm
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Phone
(814) 443-4564, (877) 553-3389
Email
Address
209 W Patriot St, Somerset, PA 15501-1563
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