Business Details
31 Years
experience
Your Trusted Bankruptcy Attorneys in Syracuse, NY
Since 1995, Harris-Courage has specialized in providing debt relief solutions through bankruptcy law. Our team, led by attorney Laura Harris-Courage, brings decades of experience in navigating complex bankruptcy cases, offering personalized guidance to individuals overwhelmed by debt. We focus exclusively on Chapter 7 and Chapter 13 bankruptcies, ensuring clients understand their options and receive tailored strategies to achieve financial freedom.With multiple offices across Central New York, we prioritize accessibility and client-centered service, combining legal expertise with compassionate support. Our post-bankruptcy credit improvement program reflects our commitment to long-term client success, and our track record of helping thousands of clients underscores our dedication to ethical, transparent representation.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Credit Improvement Program
Bankruptcy Consultation
Debt Relief Strategies
Details
- Year established: 1995
Highlights and features
- We offer over 20 years of specialized bankruptcy law experience.
- Our team provides personalized debt-relief strategies tailored to individual needs.
- We include a free post-bankruptcy credit improvement program.
- We focus exclusively on bankruptcy cases for in-depth expertise.
- We serve clients across 10+ locations in Central New York.
Associations and certifications
- American Board of Certifications
What people say
Compassionate service
Successful outcomes
Respect and understanding
Fresh start
Protected assets
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy allows debtors to discharge unmanageable debts through asset liquidation. This process typically takes 3-6 months and is ideal for individuals with limited income. Exempt assets like primary residences and necessary vehicles are protected under New York law. Our attorneys guide clients through the BAPCPA requirements, including income assessments and financial management courses, to ensure compliance and successful debt discharge.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy establishes 3-5 year repayment plans for debtors with regular income. This option protects assets while restructuring debts for manageable payments. We help clients negotiate terms with creditors and develop customized plans to address mortgages, car loans, and other obligations. Our team ensures compliance with court requirements while safeguarding clients from wage garnishments and creditor harassment throughout the process.
Credit Improvement Program
Our free credit improvement program helps clients rebuild financial standing after bankruptcy. We provide strategies for establishing new credit lines, improving payment histories, and monitoring credit reports. This service focuses on practical steps to restore credit scores within 12-24 months, enabling clients to qualify for essential loans like mortgages and auto financing while avoiding common post-bankruptcy pitfalls.
People
Laura Harris-Courage
Attorney at Law
Laura Harris-Courage founded Harris-Courage in 1995 after transitioning from creditor representation to debtor advocacy. With 30+ years of bankruptcy law experience, including certifications from the American Board of Certifications, she specializes in Chapter 7 and 13 filings. A University of Utah Law graduate, she combines legal expertise with compassionate client support to help individuals achieve financial freedom.
Questions
What is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy discharges unsecured debts through asset liquidation. Non-exempt assets like cash and second properties may be sold, while essentials like homes and vehicles are often protected under New York exemptions.
How does Chapter 13 differ from Chapter 7?
Chapter 13 creates 3-5 year repayment plans for debtors with regular income. This option protects assets while restructuring payments for mortgages, car loans, and other obligations through court-approved schedules.
Can bankruptcy stop wage garnishment?
Yes, filing for bankruptcy triggers an automatic stay that immediately halts wage garnishments, bank account freezes, and creditor harassment while your case progresses through the court system.
Do you offer free consultations?
We provide free phone consultations to discuss your financial situation and explore debt relief options, including bankruptcy filings and alternative debt management strategies.
How long does bankruptcy stay on credit reports?
Chapter 7 bankruptcies remain on credit reports for 10 years, while Chapter 13 filings appear for 7 years. Our free credit improvement program helps clients rebuild scores within 12-24 months post-discharge.
