Experienced Lawyers for Help with Consumer Debt


Offering ALL Relief Options

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How We Can Help You Get Out of Debt

If you are an individual struggling with any type of debt, we offer various choices to help – not just one.  No one option is right for everyone as there would be no need for any other service if there were.  Our services will help anyone having difficulties with debt.  Whether you are on time and don’t want to hurt your credit or already years behind facing judgments and wage garnishments – we can help!  Through our different options, we can provide you or your loved ones relief from the constant stress of being in too much debt.

When debt is the problem – we have the answers.  Practicing law since 1993, Kenneth Dramer and members of his staff have helped of thousands of people with their debts and other financial issues.  When you choose our law firm to help you deal with your debt, our representatives will evaluate your current financial situation.   They’ll work within your budget to help create an individualized plan for your needs.  We will then help implement the strategies, and the result will be you – debt-free and stress-free – the way life should be!

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Types of Consumer Debt Services We Offer

Each of our clients’ debt portfolio’s contain different types of creditor, advances, and other accounts that need to be evaluated individually. Although past performance does not dictate future results, we have been able to achieve outstanding results since our inception.  We can provide you with relief with the following services:

View Actual Results from Our Clients

All letters 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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Services We Offer For Unsecured Debt

No matter the option you choose, our law firm has the relief options to help pay off your debt in a much timelier manner and will help educate you to ensure when we get you out of debt, that you stay out of debt!

Call and Speak with a Counselor – Not a Sales Representative!


Don’t let bad advice you may have heard from someone outside the industry or from a less than scrupulous company steer you wrong.  Most other companies want nothing more than to make a quick buck by taking advantage of those in need.  Their job is contingent upon selling their product and earning a commission for it – a sure way to make sure their products are misrepresented to you as their motivation is to sell you something.  These same types of companies typically only offer one service, not multiple services like our firm, so no matter what your situation is, their objective is to try to sell you their one service, whether it’s right for you and your situation or not.

On the contrary, we are a law firm and do not pay our staff commission.  Their job is not to sell you something as they are not paid based on how many clients the can enroll or anything of the sort – we do frequent compliance check-ups on each representative to make certain no one will pressure you.  This is an important decision and we allow you to take the time you need to decide.

All of our attorneys and staff are well educated and more importantly are trained to be educators – as their job is to educate youTo make sure YOU clearly understand both the pros and the cons of each option we offerso you are able to make an educated decision!

We are a full disclosure law firm so we do our best to ensure that when retained, anything that can happen along the way will have already been disclosed and explained to you in advance so you won’t have to deal with any surprises.

Our Client Service Representatives Deal on a One-on-One Basis

This means you will speak to the same person each time, should you need to contact us.  The representative that explains everything to you is the one that you will remain in contact with and will be up to date on your case.  This further ensures that they will do their best to tell you everything possible in store ahead in order to manage your expectations of whatever process it is that you choose to retain us for as you will build a relationship over time with the same person.  Our employee retention ratio is near 100% so the likelihood of your personal representative even leaving us is slim.  We have happy employees here and happy employees make for happy clients!

It is for these reasons among others we urge you to call for a free consultation.  It will not only save you the time of reading but also potentially from misinterpreting any of the information on our site.  If you are unable to call now and want to continue trying to figure this out on your own, please by all means, continue reading further.

Here’s How We Help


Our staff is trained to ask the right questions to learn your whole situation.  Any member of our law firm that will consult with our clients is well qualified with a MINIMUM OF 10 YEARS EXPERIENCE!

Before making any recommendation a representative 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 your individual needs.


Once retained, we immediately send a notice of limited power of attorney to any creditor or third party that is currently trying to collect the money you owe.  This requests all calls and notices be directed to our law firm enabling us to deal with your creditors and their collection activity for you.  Doing so helps curb the collection efforts towards you saving you time and stress.

We then work on negotiating either lowering your payments, lowering your rates, extending the terms of your payback, trying to reduce the amount of the outstanding principal that you owe, or if absolutely necessary as a last resort we can even help you file for bankruptcy.


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.

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 USUALLY HELP 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 professionals can help you!  There is absolutely no obligation, so don’t hesitate to give us a call so you can get out of debt and take control of your financial future.

Without a Plan that Fits Your Budget,

Your Financial Problems May Just Get Worse

If you are starting to struggle with your finances or have already fallen behind, don’t risk your financial future by delaying causing creditors to sue you, seize your assets, or garnish your salary.  With most of our relief options, you will have the ability to choose which of your creditor accounts you want to have included and which you do not.

With various options, not just one, when you hire Dramer Law – one way or another, we’ll get the job done!


Relief Option Benefits

Consolidate Multiple Payments Into Just One

By combining multiple creditor payments into just one, we’re able to make paying more convenient for you so it’s easier to keep track of all your bills.

Reduce Your Interest Rates

With the help of lower interest rates, paying off your debts will take less time, cost you less money, and help you to free up cash flow to assist you in growing your business.

Reduce Your Monthly Payments

We can help make your bills fit your budget.  By lowering your payments, you will free up money to help make ends meet each month.

Reduce the Number of Remaining Payments

With certain services we offer, we can lower your interest rates, reduce your balances, and even wipe out your debts completely.  You’ll be able to get out of debt in a fraction of the time you would have on your own.

Pay Back Less Than What You Owe!

With our some of our services, we can negotiate your delinquent account balances to down to lesser amounts than what you actually owe, saving you thousands and getting you out of debt faster.


Wipe Out Certain Debts Completely

With either our litigation or bankruptcy services, we may be able to completely wipe your your obligation to pay for certain debts.

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Why Choose Dramer Law for Your Debt Relief Needs?

Debt is Our Specialty

Other companies and law firms offer relief services – we specialize in them!  We do not offer any services that aren’t strictly related with clients that are struggling financially so our clients have unique needs, compared to those of other law firms, that we can cater to.  We offer all relief options and we service our clients like family.  You should never settle for less than the best!

Lower Fees

Since our clients don’t have tons of money to spare like attorneys that practice in other areas of law, we charge low fees making our services affordable for anyone that needs help.  Unless your case involves one of our attorneys having to go to court, our negotiation service fees are performance based not charged hourly.