Don't Settle for Just One Debt Relief Option...
WE OFFER THEM ALLBusiness & Consumer Debt, Mortgage Loans, Taxes, & Student Loans.
Avoid Bankruptcy or File Bankruptcy and EVERYTHING in Between.
Our Experienced Debt Lawyers, Bankruptcy Attorneys, and Certified Debt Specialists can Help Solve Your Debt Problems.

Don't Settle for Just One Debt Relief Option...
WE OFFER THEM ALLBusiness & Consumer Debt, Mortgage Loans, Taxes, & Student Loans.
Avoid Bankruptcy or File Bankruptcy and EVERYTHING in Between.
Our Experienced Debt Lawyers, Bankruptcy Attorneys, and Certified Debt Specialists can Help Solve Your Debt Problems.
Did you know you have certain rights under the Fair Debt Collection Practices Act (FDCPA) that you only have when working with an attorney?
Did you know that debt attorneys are uniquely qualified to help you with debt negotiations and loan modifications?
Proof in Performance
We have resolved hundreds of millions of dollars of debt and mortgage problems and saved thousands of business owners and individuals that were struggling with overwhelming debts.
Time Tested Experience
Sworn in as an attorney in 1993, Kenneth Dramer has been helping with mortgage, debt, tax, and student loan problems. While other firms have come and gone, our strategies have been proven to be successful over the course of time.
A Full Service Law Firm
Offering negotiation services from settlement and restructuring to more complex services of foreclosure defense and bankruptcy. We cater to higher debt load situations.
Our Practice Areas
Business Debt Relief
With options from Debt Restructuring, Debt Settlement, Lawsuit Defense, and Bankruptcy. We offer every Debt Relief solution available to help your business in its time of need. With the lowest fees – there is no competition – as we help ensure that you get out of debt, not accumulate more!
Consumer Debt Relief & Settlement
Are you experiencing financial hardship and past due on your creditor payments? Our No Upfront Fee Debt Settlement service can reduce your outstanding balances to help get you out of debt in as quick as 1 to 60 months! Rather than lower your interest rates, we’ll actually reduce your total debt.
Debt Collection Lawsuit Defense
Recently sued, sued in the past, or facing a bank levy, property lien, or wage garnishment as the result of a judgment? We offer multiple options to help including lawsuit settlements & payment plans, defense litigation, vacating default judgments, and bankruptcy.
Fair Debt Collection Practices Act Lawsuits
The Fair Debt Collection Practices Act (FDCPA) governs how third-party debt collectors are allowed to communicate with you. When these debt collectors violate this law as they often do, we can make them pay – literally! You can get paid up to $1,000 and if we don’t win – we don’t charge you.
Mortgage & Timeshare Relief
We offer various options to help you either stay in your home or, to exit your home as painlessly as possible. We offer Loan Modifications, Principal Reduction, Short-Sale, Deed in Lieu of Foreclosure, and Cash for Keys negotiations. Our Law Firm has plenty of tools to help fix your home financial problems.
Predatory Lending & Foreclosure Defense
If you are already facing foreclosure, one of our foreclosure defense lawyers can help protect you from losing your home. Our foreclosure defense attorneys can buy you time and can also fight back against predatory lenders if you feel you’re a victim.
Student Loan Relief
If your grace period just ended, have just fallen behind on your loan payments, or are in default and dealing with collectors or lawsuits – we can help! WE OFFER IT ALL: Consolidation, Deferment, Forbearance, Debt Settlement, Forgiveness, Cancellation, Discharge, Bankruptcy.
Tax Relief
Our Tax Attorneys and Enrolled Agents help individuals and small business owners with IRS and State back-tax problems. Offering services in all 50 states through tax relief options like Abatements, Repayment Plans, Tax Settlements (Offer in Compromise), and Bankruptcy.
Bankruptcy
Bankruptcy is a last resort to help save you or your business from drowning in debt. For individuals, we offer Chapter 7 and Chapter 13 filings, and for companies, we offer Chapter 7 and Chapter 11. We can help determine if you’re qualified and can get you the fresh start you’re looking for.
Need honest, professional advice for yourself or your business?
Client Testimonials
Why We’re Better
1000+
Successfully
completed
cases
98.2%
Satisfaction
of our
Clients
100M+
Resolved Debt
for our
clients
50+
States & Territories
services offered*
Meet our Key People
*Pictures are of Models not actual staff members

Kenneth H. Dramer Esq
Managing Member
As Managing Member, Mr. Dramer is responsible for overseeing all bankruptcy and litigation operations including debt collection lawsuit defense, foreclosure defense, and predatory lending cases. Practicing law since 1993, Mr. Dramer has 25 years of experience in real estate and credit transaction lawsuits as well as bankruptcy.

Michael Sininsky, CDA, CDS
Director of Operations
As Director of Operations, Mr. Sininsky is responsible for overseeing all non-litigation related operations nationally. He has been in the financial sector since 1999 with a focus on debt and mortgage relief since 2002. His innovative methods have helped our Law Firm grow to its current industry renowned status.
View Real Results from Our Various Services.
All settlements are represented as a percentage of the debt paid back. For example, a 20% settlement means that 20% of the debt is paid back and 80% is forgiven.
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Getting Started is Easy
Call Now for Your Free Consultation
Call today for your free consultation with an experienced member of our team who will ask the right questions to determine the best course of action. They will go over each option that will make sense for your situation and will be sure to discuss in detail the pros and cons of each.
See How Much Money We Can Save You
Each option will have its own savings potential. Keep in mind the greater downsides a choice may have, the greater the potential for savings. Our debt relief representatives will be sure you understand the cost benefits and will be sure to disclose our fees fully.
Retain Our Law Firm and Let the Savings Begin
Once retained, we waste no time in taking action. We will work quickly and efficiently to bring a successful resolution to your situation. You will be assigned a specific member of our team that will be in constant contact with you throughout the process.
Ways To Get in Touch
Schedule a Call
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Call Now for a Free Consultation
You may CONTACT US NOW to speak with an experienced member of our team.
Call Now for a Free Consultation
You may CONTACT US NOW to speak with an experienced member of our team.
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