Harris-Courage & Grady, PLLC

Harris-Courage & Grady, PLLC

Firm Overview

Laura M. Harris has helped thousands of people battling unmanageable debt. She is dedicated to ending clients anxiety and providing them with a fresh start. With more than 20 years of experience, including several years working for the other side,

Main Office

Syracuse Office
225 Greenfield Parkway, Suite 107

Liverpool NY 13088

Phone

888-588-3328

Fax

315-445-0738

Other Offices

www.UticaBankruptcyLawyers.com
107 Genesee St.
New Hartford

www.BinghamtonBankruptcyLawyer.com
1121 Upper Front Street
Binghamton

www.WatertownBankruptcyLawyer.com
210 Court St., Suite 5
Watertown

www.OswegoBankruptcyLawyer.com
163 First Street
Fulton

www.CortlandBankruptcyLawyer.com
77 South West St.
Homer

www.TheAuburnBankruptcyLawyer.com
123 Genesee St
Auburn

www.OneidaBankruptcyLawyer.com
248 Main St., 1st Floor
Oneida

www.OneontaBankruptcyLawyer.com
129 Oneida St.
Oneonta

www.HerkimerBankruptcyLawyer.com
219 N. Prospect St.
Herkimer

www.NorwichBankruptcyLawyer.com
12 Eaton Ave.
Norwich

www.IthacaBankruptcyLawyers.com
112 W. State St.
Ithaca, NY 14850

www.RomeBankruptcyLawyers.com
303 Erie Blvd. West
Rome

Bankruptcy

We have filed over 7,000 Chapter 7 and 13 bankruptcies. We also give you the steps you need to take to get a mortgage 2 years after you file bankruptcy. We can help with student loan repayments plans, mortgage modifications and tax settlements.

We help individuals and couples get out of debt. We have 13 different offices in Upstate New York, including in Onondaga County (Liverpool), Oneida County (New Hartford and Rome), Broome County (Binghamton); Jefferson County (Watertown); Oswego County (Fulton); Cayuga County (Auburn); Madison County (Oneida); Otsego County (Oneonta); Chenango County (Norwich); Tompkins County (Ithaca); Cortland County (Homer) and Herkimer County (Herkimer). Our firm files more bankruptcies than any other law firm in the Syracuse and Utica areas. We also have a program to help families know the steps they need to take to get a mortgage 2 years after filing bankruptcy. We can also help individuals with student loan repayment plans, mortgage modifications and tax settlements. Laura Harris Courage has written a book called "What is the Best Way to Get Out of Debt" is available free at www.WhatistheBestWaytoGetOutofDebt.com.

How did your firm decide on the primary area of practice(s)?

Because I can really help individuals and families gain financial freedom at a bargain cost. Bankruptcy is something that actually works. Unlike credit counseling and debt reduction programs which only work in a minority of cases, bankruptcy actually discharges debt clients cannot pay and gives them a fresh start. I love it!

What is your firm's point of view regarding clients educating themselves on legal issues?

Bankruptcy is very confusing and the system is set up to prevent individuals from making it through the bankruptcy process. I have seen lawyers filing for bankruptcy have their cases dismissed because they did not follow all of the requirements. Also, what applies to one person or couple will likely not apply to another. Each case is very specific to the facts. I have also seen creditors take advantage of individuals trying to get through the system (without attorneys) by getting the individuals to agree to pay back debt they do not need to pay. It is good to get information about the process so you can choose an attorney who knows what they are doing.

Is your firm willing to review documents prepared by clients?

We can review the documents, but we find that the information is nearly always in a form which will create problems for the individual. For example, most individuals over-value their assets in the bankruptcy process. The trustee then must take these assets. The exemptions are tricky even for lawyers to understand. Deciding on which exemptions to take is critical to a successful bankruptcy. Frankly, we find it best just to work with the clients by reviewing their original documents, such as titles, paystubs, deeds, mortgages, tax returns, and bills.

Is your firm willing to coach clients who want to represent themselves?

It would cost us more to coach a client than to just do it. Our fees are extremely reasonable, especially considering the huge benefit resulting with a discharge of thousands of dollars worth of debt.

Laura Harris Courage

Harris-Courage & Grady, PLLC

Education: Brigham Young University, B.A., 1979, University of Utah, J.D., 1984



Practice Areas: Bankruptcy; Tax Law; Collections; Commercial Litigation; Creditors Rights; Federal Litigation; Lender Liability; Secured Transactions; U.C.C.; Workouts


Membership: New York State Bar Association; Central New York Bankruptcy Bar Association; National Association of Consumer Bankruptcy Attorneys.


Admissions: 1984, Utah, U.S. District Court, District of Utah and U.S. Court of Appeals, Tenth Circuit; 1988, Massachusetts; 1989, New York, U.S. District Court, Northern, Western, Southern and Eastern Districts of New York


Miscellaneous Information: Member, Order of the Coif. Member, Utah Law Review, 1982-1984. Chairperson, Bankruptcy Mediation Committee, 1996.(Certified Specialist, Business and Consumer Bankruptcy Law, American Bankruptcy Board of Certification) (Certified Specialist, Consumer Bankruptcy, American Board of Certifications)


Biography:



Laura M. Harris has helped thousands of people battling unmanageable debt. She is dedicated to ending clients

License

Bar Number: State and Federal Co
New York, 1989

Bar Number: State and Federal Co
Utah, 1984

Bar Number: State Courts
Massachusetts, 1988

Education

University of Utah, College of Law
J.D., 1984

Brigham Young University
B.A., 1979

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