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Bankruptcy Lawyers in Cortland, NY: 2026 rankings

28 bankruptcy lawyers ranked by LFR ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest LFR Score in Cortland: Grady BK, PLLC, LFR Score 67/100; 5.0★ from 69 Google reviews.

  2. 2

    Most-reviewed: Grady BK, PLLC, 151 Google reviews at 4.9★, the most of 28 ranked; ranked #2.

Rankings can't be bought. Lawyers can't pay to change their rank or score. How we rank

28 Cortland bankruptcy lawyers are ranked here by LFR Score, from nine published factors. 4 open Saturdays, based on posted hours. The median Google rating is 4.7★ across 28 rated law firms.

Most of this list also appears on the Bankruptcy lawyers in Syracuse ranking. See Bankruptcy lawyers in Syracuse

Top 10 bankruptcy lawyers in Cortland at a glance

Ranked by our published LFR Score from public data, not by payment; a rank is not an endorsement or a prediction of results.

Top 10 bankruptcy lawyers in Cortland at a glance
RankBusinessLFR ScoreGoogle ratingBased inHoursNotable for
1Grady BK, PLLC675.0★ (69)Cortland—Top score
2Grady BK, PLLC634.9★ (151)Syracuse, 33 mi away—Most reviews
3Testa Law Firm, P.C., Attorney Daniel A. Testa III624.7★ (100)Auburn, 30 mi away——
4Grady BK, PLLC625.0★ (60)Auburn, 30 mi away——
5Harris-Courage, PLLC604.8★ (8)Cortland——
6Harris-Courage, PLLC604.6★ (70)Syracuse, 35 mi away——
7Law Offices of Mary Lannon Fangio594.9★ (27)Syracuse, 29 mi away——
8Simonetta & Associates, P.C.585.0★ (22)Syracuse, 35 mi away——
9Knudsen Legal Services574.2★ (21)Syracuse, 33 mi awayEvenings—
10WHMB573.9★ (26)Auburn, 30 mi away——

All 28 bankruptcy lawyers in Cortland, in rank order

Ordered by LFR Score, a 0–100 score from nine published factors. Paid placement never changes the order.

Ranked by our published LFR Score from public data, not by payment; a rank is not an endorsement or a prediction of results.

Scores below: based on 7 of 9 factors; bar status and recency not yet collected. Hatched segments mark factors we don't have yet.

  1. Ranked #1 in Cortland

    #1 Grady BK, PLLC

    Based in Cortland

    67/100LFR Score

    Ranked #1 because of its Google rating and practice area focus: 5.0★ from 69 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 5.0★ from 69 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1 N Main St Ste. 305, Cortland, NY 13045
    View profile for Grady BK, PLLC(315) 299-9005

  2. #2 Grady BK, PLLC

    Based in Syracuse, 33 mi away

    63/100LFR Score

    Ranked #2 because of its Google rating and practice area focus: 4.9★ from 151 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 4.9★ from 151 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    225 Greenfield Pkwy Ste 107, Liverpool, NY 13088
    View profile for Grady BK, PLLC(315) 299-9005

  4. #4 Grady BK, PLLC

    Based in Auburn, 30 mi away

    62/100LFR Score

    Ranked #4 because of its Google rating and practice area focus: 5.0★ from 60 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 5.0★ from 60 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    2 State St Ste. 103, Auburn, NY 13021
    View profile for Grady BK, PLLC(315) 299-9005

  5. #5 Harris-Courage, PLLC

    Based in Cortland

    60/100LFR Score

    Ranked #5 because of its Google rating and practice area focus: 4.8★ from 8 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 4.8★ from 8 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    1 N Main St Ste 309, Cortland, NY 13045
    View profile for Harris-Courage, PLLC(315) 445-5608

  6. #6 Harris-Courage, PLLC

    Based in Syracuse, 35 mi away

    60/100LFR Score

    Ranked #6 because of its Google rating and practice area focus: 4.6★ from 70 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 4.6★ from 70 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    6713 Collamer Rd Ste 1, East Syracuse, NY 13057
    View profile for Harris-Courage, PLLC(315) 445-5608

  9. Based in Syracuse, 33 mi away

    57/100LFR Score

    Ranked #9 because of its Google rating and practice area focus: 4.2★ from 21 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 4.2★ from 21 Google reviews
    Hours
    Mon–Thu 9 AM–8 PM · Fri 9 AM–5 PM · Sat–Sun closed
    Address
    2711 James St, Syracuse, NY 13206
    View profile for Knudsen Legal Services(315) 431-4000

  10. #10 WHMB

    Based in Auburn, 30 mi away

    57/100LFR Score

    Ranked #10 because of its Google rating and practice area focus: 3.9★ from 26 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 3.9★ from 26 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    11 Court St, Auburn, NY 13021
    View profile for WHMB(315) 253-4050

  11. #11 Anthony J. Pietrafesa Esq

    Based in Syracuse, 31 mi away

    56/100LFR Score

    Ranked #11 because of its Google rating and practice area focus: 4.7★ from 6 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 4.7★ from 6 Google reviews
    Hours
    Mon–Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    351 S Warren St Ste 200, Syracuse, NY 13202
    View profile for Anthony J. Pietrafesa Esq(518) 218-0851

  12. #12 Melvin & Melvin PLLC

    Based in Syracuse, 31 mi away

    56/100LFR Score

    Ranked #12 because of its Google rating and practice area focus: 3.5★ from 34 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 3.5★ from 34 Google reviews
    Hours
    Mon–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    217 S Salina St #700, Syracuse, NY 13202
    View profile for Melvin & Melvin PLLC(315) 422-1311

  13. #13 Binghamton Law Clinic

    Based in Binghamton, 37 mi away

    56/100LFR Score

    Ranked #13 because of its Google rating and practice area focus: 4.1★ from 26 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 4.1★ from 26 Google reviews
    Hours
    Mon–Fri 10 AM–5 PM · Sat–Sun closed
    Address
    160 Court St, Binghamton, NY 13901
    View profile for Binghamton Law Clinic(607) 772-0787

  14. #14 Harris-Courage, PLLC

    Based in Auburn, 30 mi away

    56/100LFR Score

    Ranked #14 because of its Google rating and practice area focus: 4.7★ from 9 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 4.7★ from 9 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    2 State St Ste 104, Auburn, NY 13021
    View profile for Harris-Courage, PLLC(315) 282-1070

  15. #15 Barclay Damon LLP

    Based in Syracuse, 31 mi away

    55/100LFR Score

    Ranked #15 because of its Google rating and practice area focus: 3.6★ from 19 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 3.6★ from 19 Google reviews
    Hours
    Mon–Fri 9 AM–4:30 PM · Sat–Sun closed
    Address
    125 E Jefferson St, Syracuse, NY 13202
    View profile for Barclay Damon LLP(315) 425-2700

  17. #17 Kall & Reilly LLP

    Based in Syracuse, 34 mi away

    55/100LFR Score

    Ranked #17 because of its Google rating and practice area focus: 3.5★ from 28 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 3.5★ from 28 Google reviews
    Hours
    Mon–Fri 8 AM–4 PM · Sat–Sun closed
    Address
    6320 Fly Rd Ste 101, East Syracuse, NY 13057
    View profile for Kall & Reilly LLP(315) 437-3321

  23. #23 Zachary D. McDonald

    Based in Binghamton, 36 mi away

    54/100LFR Score

    Ranked #23 because of its Google rating and practice area focus: 5.0★ from 6 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 5.0★ from 6 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    4100 Vestal Rd #103, Vestal, NY 13850
    View profile for Zachary D. McDonald(607) 770-1007

  25. #25 Andrew T. Velonis PC

    Based in Syracuse, 31 mi away

    53/100LFR Score

    Ranked #25 because of its Google rating and practice area focus: 2.5★ from 8 Google reviews, listed on Google as “Bankruptcy attorney”.

    • 2.5★ from 8 Google reviews
    Hours
    Mon–Fri 8:30 AM–4:30 PM · Sat–Sun closed
    Address
    109 S Warren St #711, Syracuse, NY 13202
    View profile for Andrew T. Velonis PC(315) 810-4120

How we ranked Cortland bankruptcy lawyers

We scored 28 Cortland bankruptcy lawyers on nine factors, weighted as shown. A law firm is ranked when its practice area is confirmed and it has 3 or more Google reviews or a claimed profile. A law firm with no Google reviews scores zero on rating, review volume and recency. Other unknown factors are left out, not counted as zero. Scores last refreshed November 9, 2026.

Paid placement never changes a rank or score. Attorney advertising businesses are paid, labelled, limited to 3 and shown above the ranking, outside it.

Read the full method: formula, sources and exclusions

LFR Score factors and weights
FactorWeightComputed fromIn Cortland data
Reputation25%Google star rating, adjusted for how many reviews back itMeasured
Bar status10%An active bar or law society record matched to a lawyer at the firm (not measured until a record source is loaded)Not yet collected
Review volume10%Number of Google reviews, compared with the most-reviewed firm on the listMeasured
Recency10%Share of reviews from the last 12 monthsNot yet collected
Availability5%Weekly office hours, Saturday, Sunday, and phones answered 24/7Measured
Practice focus15%How clearly the firm practises this area (its Google category and name)Measured
Proximity5%An office in the city scores highest, less the farther away it isMeasured
Claimed profile10%The firm has claimed its Law Firms Ranked profile (free and paid earn the same)Measured
Law Firms Ranked reviews10%Verified client reviews collected by Law Firms Ranked: their rating and how many there areMeasured

How to choose a bankruptcy lawyer

  1. Check the lawyer’s status and any public discipline in the state bar or law society directory.
  2. Ask how many bankruptcy law matters the lawyer handles each year, and who at the firm will do the work.
  3. Get the fee arrangement in writing: hourly, flat or contingency, and which costs are charged on top.
  4. Ask how and how often the firm will update you, and how fast it answers calls and emails.
  5. Read recent reviews for how the firm communicated and billed, not only for outcomes.
  6. Ask whether the lawyer, not only staff, will review your forms and go with you to the meeting of creditors.
  7. Meet more than one firm; many offer a short first consultation, sometimes free.

Questions to ask a bankruptcy lawyer

  • How would you approach a matter like mine, and what are the realistic options?
  • How do you charge, and what will the total likely cost?
  • Who will be my main contact, and how quickly do you reply?
  • Which chapter fits my situation, and why?
  • Which of my property is exempt?
  • Is there any conflict of interest that would stop you representing me?

Terms explained

Contingency fee
A fee that is a share of the money recovered, paid only if there is a recovery. Common in injury cases; not allowed for criminal defense or for securing a divorce.
Retainer
Money paid up front and held in a trust account, which the lawyer draws on as fees are earned.
Flat fee
One set price for a defined piece of work, such as a will or an uncontested matter.
Limited-scope representation
Paying a lawyer for part of a matter only, such as reviewing documents or coaching for one hearing (also called unbundled services).
Statute of limitations
The deadline to file a lawsuit or charge. It differs by state or province and by type of claim.
Good standing
A lawyer’s status as active and eligible to practise with a state bar or law society.
Law society
The body that licenses and disciplines lawyers in a Canadian province or territory.
Board certification
Recognition in a field of law by a state program or an organisation accredited for that purpose. Lawyers may only claim it when they hold it, naming the certifying body.
Attorney–client privilege
The rule that keeps confidential communications between a client and lawyer, made for legal advice, out of court.
Conflict check
The search a firm runs before taking a matter to make sure it does not represent someone on the other side.
Pro bono
Legal work done for free, usually for people who cannot afford a lawyer.
Legal aid
Publicly funded legal help for people with low incomes, through legal aid offices, public defenders or provincial legal aid plans.

Bankruptcy lawyers in Cortland: frequently asked questions

Which bankruptcy lawyer has the highest LFR Score in Cortland?

By LFR Score, the highest-ranked bankruptcy lawyer in Cortland, NY is Grady BK, PLLC with an LFR Score of 67/100. It has 5.0★ from 69 Google reviews. Grady BK, PLLC (#2) and Testa Law Firm, P.C., Attorney Daniel A. Testa III (#3) follow. We ranked 28 bankruptcy lawyers on nine factors, last updated November 9, 2026.

How many bankruptcy lawyers are there in Cortland?

LawFirmsRanked ranks 28 bankruptcy lawyers serving Cortland, NY. 2 of them are based in Cortland; the rest serve it from nearby towns. Counts are as of November 2026.

Which bankruptcy lawyers in Cortland work on weekends?

4 of 28 ranked bankruptcy lawyers post Saturday hours. The highest-ranked open Saturdays are Anthony J. Pietrafesa Esq (#11) and Ward Law Office: Bankruptcy Attorney (#20). Posted hours are office hours; many firms meet clients by appointment outside them.

What Google rating do Cortland bankruptcy lawyers have?

The median Google rating among 28 rated bankruptcy lawyers in Cortland is 4.7★, with a median of 17 reviews. Grady BK, PLLC has the most, 151 reviews, and ranks #2. We adjust ratings for review count, so a few five-star reviews cannot top the list.

How does LawFirmsRanked rank bankruptcy lawyers?

Each bankruptcy lawyer gets a 0–100 LFR Score from nine published factors, led by reputation (25%), practice focus (15%), review volume (10%) and recency (10%). A law firm with no Google reviews scores zero on rating, review volume and recency; other factors we cannot measure are left out. Only law firms with a confirmed practice area and 3 or more reviews, or a claimed profile, are ranked.

Do bankruptcy lawyers outside Cortland count in this ranking?

Yes, if they are within 40 mi of the Cortland city center, our service radius for bankruptcy lawyers. Each listing shows where the law firm is based and how far away it is. Proximity is 5% of the LFR Score, so a nearby law firm gets a small edge.

Can bankruptcy lawyers pay to rank higher on LawFirmsRanked?

No. The LFR Score never reads payment status, and this ranking has 0 paid placements. Up to 3 Featured law firms may appear above the list, labelled Attorney advertising and showing their honest rank.

How do bankruptcy lawyers in Cortland, NY charge?

Consumer bankruptcy lawyers usually charge a flat fee for Chapter 7; Chapter 13 fees are often paid partly through the repayment plan and are reviewed by the court. Under federal law they must give you written disclosures and a written contract (11 U.S.C. §§526–528). Lawyers using Clio billed an average of $481 an hour in this area (Clio Legal Trends data, October 2026; all areas $362). Ask for the fee arrangement in writing before you agree.

What is the difference between Chapter 7 and Chapter 13?

Chapter 7 sells non-exempt property to pay creditors and usually ends in a few months; Chapter 13 keeps your property under a three- to five-year repayment plan. Income and assets decide which you can use. This is general information, not legal advice.

How is this list of bankruptcy lawyers in Cortland, NY ranked?

By LFR Score only, from public data on reviews, practice focus, office location and hours. Firms labelled “Attorney advertising” paid for that placement; payment never changes a rank, and a rank is not an endorsement.

Does a lawyer need an office in Cortland?

No, but the lawyer must be licensed in your state (or, for federal matters such as immigration, in some state). A local office makes meetings and court appearances easier, so proximity is one of our factors.

Update log for Cortland

  1. November 2026: LFR Scores recalculated for 28 bankruptcy lawyers serving Cortland.

More bankruptcy lawyers and Cortland pages