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Harris-Courage & Grady, PLLC

Chapter 12 Bankruptcy

In the mid-1980’s, farmers throughout the United States faced seemingly insurmountable credit problems. Struggling family farmers were seeing their property and equipment placed on the auction block. In order to protect distressed family farms, Congress added Chapter 12 to the Bankruptcy Code in 1986.
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Harris-Courage & Grady, PLLC

Ten Dirty Secrets

The credit counselors’ primary source of income comes from creditors, mostly credit card creditors. Ask the credit counselors if they receive any of their funding from creditors. Since their primary funding is from credit card creditors, their loyalty is to the credit card creditors.
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Harris-Courage & Grady, PLLC

Top 5 Causes of Excessive Personal Debt

Excessive debt is the biggest worry of many people. We are provided with many opportunities to increase our debt, but getting out of debt can be especially challenging. Bankruptcy is an option for quickly and easily getting out of debt.
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Harris-Courage & Grady, PLLC

Discover Your Talents for a More Fulfilling Life

Most of our clients have been through major life changes, such as a job loss, divorce, or medical issues, that caused them financial difficulties. Recovery from these life changes and their financial aftermath is challenging.
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Harris-Courage & Grady, PLLC

Stay Within Your Vacation Budget

Vacations are considered a luxury, and any money spent on luxuries cannot be discharged in bankruptcy. That means you will be required to pay back the vacation debt. After you receive your bankruptcy discharge, you may feel you need a vacation, but money will likely still be tight.
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Harris-Courage & Grady, PLLC

Tricks Restaurants Use to Make You Spend More

We want to help our clients use their money wisely. A visit to a restaurant can be a welcome break, but not if it keeps you in debt. Be aware of these tricks restaurants use to part you from your money:
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Harris-Courage & Grady, PLLC

Do It Today: Stop Waiting for the Right Time

There’s never a better time than the present. Too often, we wait for the perfect time to start losing weight, get out of debt, or have children. Time is constantly passing, and there’s no time to wait!
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Harris-Courage & Grady, PLLC

Avoid These Bankruptcy Alternatives

We see many clients who have tried to avoid bankruptcy by attempting credit counseling or debt reduction. We want you to avoid the pain of failure to get out of debt that these methods often cause, because they just aren’t effective.
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