About Us

Consumer & Business Debt Relief Attorneys

Kenneth H. Dramer Esq – Practicing Law since 1993

The Law Offices of Kenneth H Dramer PC is a diversified debt relief law firm, with years of experience in the practice areas of debt settlement, debt collection lawsuit defense, foreclosure defense and avoidance, predatory lending violations, Federal Debt Collection violations, and bankruptcy. No matter your financial hardship, our New York Debt Lawyers are skilled and able to help you determine which of our debt relief options will be best for your needs.

A Message from Our Founder

Kenneth H. Dramer Esq.
Founder & Managing Partner

Mr. Dramer is admitted to the bar of the State of New York and the United States District Courts for the Southern, Eastern, Northern and Western Districts of New York. He earned his BSBA from the University of Delaware and his JD, cum laude, from Touro College Jacob D. Fuchsberg Law Center where he was a member of the law review and received numerous academic honors.

When some companies claim to be ‘debt relief companies,’ in reality, they only offer one specific service.  When you call one of those companies, you are doing yourself a disservice and here’s why…

No matter what your specific financial problem, if a company only has one tool to solve problems with, they’re just going to be able to use that tool to try to fix your problem.  If you call a debt management company, they can only offer a debt management plan.  Debt settlement companies can just settle your debts.  Loan modification companies can just modify your loan, etc.  These are the same types of companies where their representatives work on commission so, therefore, the job of the representative you speak with is to sell you their one and only service – whether you are a good candidate for their service – or not.

A real debt relief organization will offer multiple services to help those struggling with financial problems.  Our Law Firm provides various options for each situation you may be facing as what works best for you may not be what works best for someone else.  Our representatives do NOT work on commission so they will give you the honest advice you need, not try to sell you something.


Similarly, the other side of the fence, most law firms also offer one form of debt relief in their toolbox – bankruptcy.  They see that as the only way to solve the debt, tax, and mortgage problems.  Their other services are typically not related to debt relief, so they allow themselves to be the jack of all trades but a master in none.   We are not a jack of all trades – we know debt, and we know it well!  Financial & Debt relief is our only business.  Therefore, even though we offer multiple services, all of our services are strictly for those struggling financially.

We gear our low fee structure towards those struggling financially, so our services are affordable.  You can have the power of our law firm helping you without a typical law firm’s fees.

A Reputation Built on Results


Our Debt Relief Law Firm is known throughout the industry as a leader in getting results.  We have worked hard over the years to earn the reputation we have by giving honest advice to those in need rather than the advice that benefits our bottom line! By asking the right questions during our fact-finding at the free consultation, we will be better able to understand your whole situation not just a piece of it and therefore can develop a custom fit strategy for your needs as we know that no two cases are alike. We take our time and make sure all aspects of each choice are looking into thoroughly before making a recommendation.  It is this level of client service that is unparalleled in our industry.

Multiple Options – Not Just One


Our Law Firm offers many different mortgage and debt relief options, not just one.  Our services are provided for both Consumer and Business Debt Relief as well. We have fine-tuned our services through our many years of experience in practicing as Debt Lawyers in New York.  Kenneth Dramer, our owner and lead attorney, has been practicing law since 1993.  Each of our debt lawyers, bankruptcy attorneys, foreclosure defense attorneys, and certified debt relief specialists, are well versed and trained in the areas we assist in and are all dedicated to your success!

We Get Right Down to Business

Once retained, we immediately send our Limited Power of Attorney forms to whoever you owe money to, or their collectors and attorneys to take over any phone calls with which you may be getting harassed.

We then work on lowering your payments, lowering your rates, extending the terms of your payback, relieving you of past due fees and penalties, trying to reduce the amount of the outstanding principal that you owe, or completing your court documents or bankruptcy petition right away.  We never agree to anything without first consulting with you and getting your approval. It is your debt and your money, so you have the final say in all of our negotiations.

Put our Experienced Debt, Mortgage, or Business Relief Attorneys to work for you.  CALL TODAY for your FREE CONSULTATION and let us help you save you or your business today!


Multiple Relief Options

With numerous different services and no affiliation with any banks, we look out for your best interests.  Whether we help lower your interest rates, reduce your monthly payments, or drop the balances on your accounts, we will do our best to save you as much money as possible. If we are helping you to avoid foreclosure with a loan modification, foreclosure defense, short sale or deed-in-lieu of foreclosure negotiations – know that you are in good hands.  If you’re contemplating bankruptcy to wipe out your debt entirely and get a fresh start, our experienced debt lawyers can help you.  Let us walk you through your different options and explain both the pros and cons of each choice so you can make an educated decision as to which route is best for you.

Experience & Results

You wouldn’t go to a foot doctor for brain surgery so why would you go to any other attorney rather than a debt attorney if you have a problem with debt?  We only deal with debt law so understand what our clients are facing as it is different than other types of law.  We know the stress associated with falling behind on your bills and being inundated with collection calls and threatening letters.  All of our clients’ situations are slightly different, but in the end, they are people with emotions just like you!  By not only managing your financial problems but managing your expectations and your emotions throughout the process we know that success is just a milestone or two away if you call today!


Our Debt Relief Goals

With our client service efforts helping to ensure that you complete what you start, our goal is to provide affordable services in all 50 states to those in need of taking back control of their financial futures.  At Dramer Law, before we make any recommendations, our debt lawyers, certified debt relief specialists, and paralegals are trained to ask the right questions to find out about your specific situation. Based on your current income and your financial hardship, we will determine which course of action will work best for you. We do not only offer one path, as no one process can solve everyone’s needs. We will take our time with you and help evaluate what your best course of action should be. Call now, and one of our advisors will be there to get you started on your path to financial freedom.

Never Settle for Less than the Best


The Law Offices of Kenneth H Dramer, PC professionals are highly experienced in analyzing individual client’s financial situations and determining which of our processes are best suited for their needs. We can help with debt settlement, bankruptcy, loan modifications, debt counseling & much more.

We begin with a free one-on-one, no-obligation personal consultation. One of our debt attorneys, certified debt specialists or paralegals will analyze your situation, help review your budget and make sure that we match you with a personalized process that best suits your financial needs and capabilities so that you can get out of debt as soon as possible.

Any member of our law firm that consults with our clients is well qualified with a MINIMUM OF 10 YEARS EXPERIENCE in dealing with debt relief!  Our staff is well trained to ask the right questions to get the whole picture.

Before making any recommendation, they will analyze your current situation including your assets and liabilities as well as your current cash flow. Your representative will then customize a relief solution to the individual needs of you or your business.

Innovative Services

With over 25 years of experience, Mr. Dramer is known as a mover and shaker within the industry.

Our Performance

Putting our clients’ needs before our fees and delivering quality services to those in need.  Check out our performance and past results.

You have nothing to lose except for your debt!


The Law Offices of Kenneth H. Dramer PC helps individuals and businesses that are experiencing financial difficulties.  We have offices to serve New York City and Long Island as well as Upstate NY in addition to Of Counsel attorneys in states throughout the country so WE CAN HELP YOU NO MATTER YOUR LOCATION!  If you or your business have a debt obligation that you cannot afford, call today so one of the most experienced debt lawyers, debt relief professionals, bankruptcy lawyers, and other debt specialists can help you!  There is absolutely no obligation, so don’t hesitate to give us a call or visit our Contact Us page to learn how you can get out of debt and take control of your financial future.


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Business Hours

Creditor Negotiations
Mon - Fri: 9:00am - 6:00pm EST
Client Service & New Consultations
Mon - Fri: 9:00am - 8:00pm EST
Weekends By Appointment Only



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*Individual results may vary based on consumer’s ability to save sufficient funds, and complete all program terms. Our law firm does not assume or pay any debts, nor provide credit or tax advice on forgiven amounts. Program is not available in all states, and does not obtain immediate repayment arrangements until consumer saves sufficient funds and creditor(s) make offers.
*Be wary of any company that tells you not to pay your bills as certain debt relief options may have a negative impact on your credit report and other consequences.  For example, your debts may continue to accrue late fees and penalties, you also may receive calls from your creditors and/or debt collectors, you could even be sued for non-payment.  If a creditor obtains a judgment against you they have the right to garnish your wages or put a lien on your home.  Make sure you choose company that explains the benefits and consequences of each debt relief option.  Please read and understand all program terms prior to enrollment.
*The information provided on this site is for general information and educational purposes only.  The information presented should not be considered legal advice, and should not be misconstrued as such, and should most definitely not be acted upon without first consulting with an attorney. The information is subject to change without notice. Consult a debt relief lawyer licensed in your jurisdiction for specific advice.
*We provide Debt Relief services and are a debt relief agency, as defined by the U.S. Congress. We proudly assist people filing for bankruptcy relief under the Bankruptcy Code as well as various other services to help avoid bankruptcy.