Harold Shepley & Associates, LLC

There’s no one right way to do a household budget. It doesn’t really matter how you do it, just as long as you do it. However, be careful you don’t fall into some of these common traps. Not…more

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…more

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…more

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…more

In October 2011, the Obama administration announced additional steps to try and help people lower their mortgage payments by allowing more of them to refinance—even if they owe more than their property is worth. …more

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. …more

The dictionary defines debt as: something that is owed or that one is bound to pay. We have all been in some form of debt at one time or another. People accumulate debt for many reasons. Here are just a few: •Job…more

“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…more

Home equity loans can fix short term cash flow issues. If you need a large sum of money for things such as a child going off to college, a wedding, or home repairs, accessing the equity in your home might be an option, but buyer…more

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…more

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…more

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…more

If you have seen one bankruptcy attorney you have seen them all, right? Wrong, not all bankruptcy attorneys are created equal. Each one has unique skills and experiences as well as a unique approach to dealing with their…more

Are you having trouble making the payments on your mortgage? Are you fearful of losing your home? Before throwing up your hands and declaring bankruptcy, you may want to look into something called mortgage modification. Mortgage…more

Deciding whether to file for bankruptcy is a complicated and important decision. If it is indeed the right choice for you, you and your attorney will need to decide what type of bankruptcy to file, Chapter 7 or Chapter 13. Let’s…more