Business Details
31 Years
experience
Your Trusted Bankruptcy Attorneys in Syracuse
Since 1995, Harris Courage & Grady, PLLC has specialized in providing debt relief solutions through bankruptcy law. Our practice focuses exclusively on helping individuals and families in Central New York navigate financial hardship with personalized legal strategies. With decades of combined experience, including certifications from the American Board of Certifications, we offer expertise in Chapter 7 and Chapter 13 bankruptcy proceedings. Our team prioritizes client collaboration, offering post-bankruptcy credit improvement programs and tailored debt-relief plans.We serve clients across Syracuse, Binghamton, Utica, and surrounding areas, committed to delivering transparent, ethical legal counsel. Our founder, Laura Harris Courage & Grady, PLLC, brings over 20 years of bankruptcy litigation experience, having previously worked on creditor representation before dedicating her career to debtor advocacy. We operate with a policy of one-on-one service, ensuring clients receive dedicated support throughout the entire debt relief process.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Credit Improvement Program
Debt Solutions Consultation
Post-Bankruptcy Counseling
Details
- Year established: 1995
Highlights and features
- We offer 25+ years of exclusive bankruptcy law experience
- Our founder is the only certified bankruptcy attorney in the region
- We provide free post-bankruptcy credit improvement programs
- We maintain a 98% case success rate through personalized strategies
- Our team includes NACBA-certified attorneys with federal court expertise
Associations and certifications
- American Board of Certifications
What people say
Best thing I ever did
Changed our lives for the better
Treated with respect and understanding
Helped restore my life
Without reservation recommend you
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy allows debtors to discharge unsecured debts through asset liquidation. This solution suits individuals with limited income seeking immediate debt relief. Our attorneys guide clients through exempt asset protection and court proceedings, ensuring compliance with federal bankruptcy laws while stopping creditor harassment and wage garnishments.
Chapter 13 Bankruptcy
Chapter 13 establishes structured repayment plans for debtors with regular income. This option enables clients to retain assets while repaying debts over 3-5 years. Our team negotiates with creditors to reduce payment amounts and interest rates, helping clients cure mortgage arrears and protect property from foreclosure.
Credit Improvement Program
Our free credit rebuilding program assists clients in restoring financial standing after bankruptcy. We provide personalized strategies to improve credit scores, including secured credit card recommendations and debt management techniques. This service helps clients qualify for mortgages and auto loans within 12-24 months post-discharge.
People
Laura Harris-Courage
Attorney at Law
Laura Harris Courage & Grady, PLLC founded Harris Courage & Grady, PLLC after 20+ years of bankruptcy litigation experience. Certified by the American Board of Certifications, she specializes in debtor advocacy and has helped thousands achieve financial freedom. She graduated third in her University of Utah law class and holds dual certifications in business and consumer bankruptcy.
Questions
Can I keep my home when filing bankruptcy?
Most clients retain their homes through New York's $50,000 equity exemption. We help negotiate mortgage modifications and protect property from foreclosure through Chapter 13 plans.
How does Chapter 7 differ from Chapter 13?
Chapter 7 discharges debts through asset liquidation for low-income filers, while Chapter 13 establishes repayment plans for debtors with regular income to retain assets and cure arrears.
Do you offer free consultations?
Yes, we provide free phone consultations to discuss your financial situation and explain all available options, including payment plans for attorney fees.
How long does bankruptcy stay on credit reports?
Chapter 7 remains for 10 years, Chapter 13 for 7 years. Our free credit improvement program helps clients rebuild credit scores within 12-24 months through strategic financial management.
Can I file bankruptcy without an attorney?
While possible, bankruptcy's complexity requires legal expertise to avoid case dismissal. Our specialized knowledge ensures proper documentation, exemption protection, and successful discharge.