Merchant Cash Advance Lawyers
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and EVERY SERVICE in Between!

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Merchant Cash Advance Lawyers

  • Is a Merchant Cash Advance (MCA) ruining your business cash flow?
  • Were you denied when you tried to consolidate or refinance?
  • Are you stacked with multiple funders?
  • Are you looking for alternative repayment options?
  • Are you getting hounded by collection calls?
  • Have you been sued?
  • Are your bank accounts or receivables frozen?

If you’ve answered “YES” to any of these questions, our Merchant Cash Advance Lawyers can help! 

Our Lawyers can make your advance more affordable!

We Can Help:


Reconcile Your Payments

Lower the Factored Amount (Contractual Purchased Amount)

Pause Your Payments

Lower the Daily or Weekly Drafts

Change Draft Frequencies (Daily to Weekly / Weekly to Monthly)

Extend Your Purchase Agreement Repayment Period

Remedy Default & Breached Contracts

Protect You & Your Business From Default

Deal with Collectors, Lawsuits, Judgments, & Frozen Bank Accounts

Release Receivables Frozen From UCC Lien Enforcement Efforts

Save Time and Avoid Costly Mistakes


Save Money or Don’t Pay Our Contingency Fee!


MCA Relief Lawyers Will Help You Regain Control of Your Cash Flow! 

Our business lawyers and arbitrators have successfully worked with many struggling business owners like yourself, that were caught in high-cost Merchant Cash Advance traps.

We can offer experienced advice and can help you to protect your cash flow and your assets thereby alleviating the worrying and stressing over frozen accounts or receivables.

In addition to freeing up your cash flow, retaining our Law Firm to deal with your predator funders will save you time as we relieve you of the harassing and embarrassing collection calls by sending notice of limited power of attorney to your MCA Purchaser, their collectors, attorneys, and even the Marshall or Sheriff if they are trying to enforce your purchasing agreement.

View Results from Our Merchant Cash Advance Relief Services

All Default & Breached Contract Cures are represented as a percentage of the Total Cure Amount Paid Back. 

For example, 40% means that 40% of the Breached Amount was Paid Back and 60% Forgiven.




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Options for Dealing with Merchant Cash Advances

The below options each have their own benefits and drawbacks so be sure to call for your free consultation so one of our experienced counselors can explain each option thoroughly.

Pause Remittances

If your revenues have decreased, we can negotiate to pause your daily or weekly drafts to help give you some breathing room.

Restructure Draft Amounts

We negotiate lower draft amounts to extend the purchasing agreement term.  We convert daily drafts to weekly and weekly drafts to monthly.

Default & Breach Cures

We can negotiate lower factored rates, thereby discounting the “purchased amount” to recuperate your future pledged receivables.

Lawsuit Defense

We can defend you if sued, we can remove Confessions of Judgment, and we can even stop UCC lien enforcement efforts if your receivables are frozen!

Sue Your MCA Company

An MCA is NOT a loan, if your agreement wasn’t worded properly, we’ll sue to void your contract!  We can also sue brokers that lied to you!!!



MCAs are dischargeable in bankruptcy.  We file personal & corporate cases, but can usually avoid bankruptcy thanks to our many alternative options.

The Difference Between a Loan and Merchant Cash Advance


With both Loans and MCAs, money is given and paid back.  The key to understanding the difference lies in how each is paid back.

With a Loan or Line of Credit (LOC), funds are lent to you, and you pay back the money lent plus interest.  You repay the funds according to set terms and conditions and for the most part, the payments are determined by the amount lent to you, the interest rate, and the defined time period of the Loan or LOC*.  Payments for Loans and LOCs need to be made regardless of revenues coming into your business.

Merchant Cash Advance (MCA) is a nickname for a ‘Future Receivables Sale and Purchase Agreement’.  With an MCA, you are not lent money, but instead, you (the ‘Merchant‘) made an agreement with your Funder in which they would pay you an agreed upon amount of ‘Cashin ‘Advanceto purchase the rights to your company’s future revenue that you will receive!  The MCA Funder pays a discounted lump sum amount upfront, known as the ‘Purchase Price’, and you agree to pay a specified percentage of each dollar of revenue that you bring in, until the full agreed-upon amount known as the ‘Purchased Amount’, has been paid back to the Funder.  Since the MCA is paid back a percentage of each dollar of your future revenue as it actually comes into your business, neither the payments or time period are defined.  An MCA Funder takes the risk that your business might not have future revenue, and therefore, they may not get paid back.


MCA Contracts are Written to Favor Your Funders

To Protect THEM if You Can’t Pay.

We Know MCA Contracts and We Know The Law

To Protect YOU if You Can’t Pay!


  • We can force your funder to Pause their account debits.
  • We can force your funder to lower their daily or weekly debit amounts.
  • We can even force your funder to refund money you have already paid if it exceeds the amount you should have paid, based on the percentage of your actual revenue they were entitled to.

*Payments will actually vary depending on whether the Loan or LOC is amortizing or interest-only, as well as whether the interest is fixed-rate or variable.

Did You Use a Broker to Obtain Your Funding?

Funders Set You Up to StruggleBrokers Set You Up to Fail.

MCA Funders make an enormous profit over a short period of time, when you pay back your obligation, therefore, MCA Funders will not typically set you up to fail since they want you to pay them back.  Funders will set you up to struggle as they will typically give you just as much as you can handle so your payments will cause you to constantly struggle to keep your head above water.  By causing you to struggle consistently, it creates the need for repeat funding over and over again, which means even more profit for your funders over the long haul.

Brokers work on commission and are not using their own money to fund you – so they do not care if you pay your Funder back all the money or not! Brokers will typically fund your business with many different funders as possible to earn multiple commission checks!  Often times, Brokers will arrange for multiple sources of funding at the same time, thereby stacking your business with more advances (and payments) than you can handle setting you up to failIf you don’t pay back your Funder – or if your business fails – THE BROKERS DO NOT CARE if they already received their commission check!  Brokers are known to coach business into giving specific answers on recorded funding calls and are known to lie about almost anything – just to close their deal!  The most common lie we hear from our clients is that a broker told them:

the Merchant Advance is only temporary. Once you pay for a month and establish good payment history, we’ll be able to put you into a traditional loan.”

The traditional loan of course never comes and the MCA payments will have been so much to bear that you are not out of funds and the broker will instead just try to get you a different MCA to either replace the existing one, or will another one to add to it to “help make the payments on the existing advance”.  Either way, your payments are going to be more than you can handle!  We hold brokers accountable for their misrepresentations and can defend and even initiate our own lawsuits against your Brokers and/or Funders to make them pay for their actions!

We have years of experience dealing with Merchant Cash Advance FundersDon’t use trial and error trying to figure this out on your own with thousands of your dollars at stake when errors can be costlyLet our Lawyers and Arbitrators defend you or negotiate on your behalf to save you as much time and money as possible – the right way!

UCC Liens & Frozen Receivables

If you took out a Merchant Cash Advance, Business Loan, or Line of Credit (LOC), then you have likely given the right to your lender to file a Uniform Commercial Code (UCC) Lien against you.  A UCC lien allows your funder to freeze your receivables.

At the time of underwriting or any time since then, if you have provided your funder with:

  1. a customer list;
  2. trade references;
  3. bank statements; or
  4. access to your bank account,

you can assume that within a few days of your breach or default, UCC liens will be filed against you and your funders will send a copy of the UCC lien to anyone they know of that pays you!   If you use a merchant processor (credit card terminal, Square, PayPal, Shopify, etc.) or if you have customers that your funders know about – your incoming funds may be at risk of UCC Lien enforcement efforts.

Any UCC Lien recipient, will be instructed not to pay you, but to pay your funder instead – including your customers.   Not only is that extremely embarrassing, but without any money coming in, how will you continue to run your business?  Many of your customers that receive notice of the UCC Lien may see that as a sign of weakness and may look to do business elsewhere so it can cause problems in more ways than one.  UCC liens are by far the most frequent issue we hear about from those first contacting our Law Firm for help after having defaulted on their payment obligations.

While your funders can use judgments to try to freeze your receivables, ever since Confessions of Judgment (COJ) were banned in NY against out of state business owners, unless your business is located in NY or your funder made you sign a COJ under the jurisdiction of a different state, your now has to sue you and win their lawsuit in order to obtain a judgment against you.  The lawsuit process takes much more time to enter judgment than did filing a COJ, therefore, funders now use UCC liens as the fastest way to freeze your money.

We have seen and dealt with virtually every possible frozen funds situation.  We’ve helped countless business owners unfreeze their bank accounts and receivables.  If your business has receivables that your funders can freeze, the best strategy is to be proactive and get our help before you default so we can help free up your cash flow and either pause or lower your drafts to help avoid defaulting in the first place.  If we get your funders to agree you’ll never have to worry about your receivables ever being frozen.  If your receivables are already frozen, the sooner you put us to work, the better your results are likely to be.

We Help With Confessions of Judgment and Lawsuits

The laws regarding the filing of Confession of Judgments (COJ) in New York have recently changed.  If you are an out of state business owner, a confession of judgment can no longer be filed against you in the state of NY. The changes to the NY law are a major win for business owners outside of NY, however, the law does not affect those living in NY as, COJ’s can still be filed against NY residents.  It is important to take note that the COJ laws have not changed in any other states – only in NY – so COJs can still be filed against you in states outside of New York as most funders have turned to the following states that still allow COJs:

  • California
  • Colorado
  • Delaware
  • Illinois
  • Maine
  • New Hampshire
  • Ohio
  • Pennsylvania
  • Utah
  • Wisconsin


Additionally, there have been an increased number of lawsuits filed in New York and elsewhere since the COJ ban has gone into place which is a great thing, as we can defend lawsuits, and buy you time to work out a payment arrangement or cure the lawsuit for less than the alleged balance.  By defending the lawsuit, we can help prevent judgment entry against your business and you personally.



Most others in the relief industry typically do not discuss any downsides of their services, but instead, will harp mainly on how much you stand to save.  Just like the MCA Brokers, they will basically tell you anything you want to hear just to close a deal and earn their commission checkBe especially warned of any company that tells you to make one payment into a ‘trust‘ or ‘escrow‘ account that makes their relief seem like it’s going to be a walk in the park.  These companies are known for misrepresenting their tremendous upfront fees and telling you, Don’t worry about the fees because they’re all included in the trust payments“.   They typically over promise and under deliver by giving estimates based on cherry picked scenarios of best possible results, not typical results.

Many business owners are struggling so badly that they will believe any promises of help.  They do not even stop to think these promises are coming from telemarketers, that are only calling since they know of the financial struggles, and these ambulance chasers prey on stressed out business owners that are under duress in hopes of convincing them to make an irrational quick decision.  More business owners than you would ever imagine hire these telemarketers to fix their problems without ever checking these companies’ reputations!   DO NOT LET THIS HAPPEN TO YOU or before you know it your incoming receivables and bank accounts are frozen and you’ll have no funds to operate.  When you call these other providers to find out why your accounts and receivables have been frozen, you’ll quickly find out that no progress has been made because even though you were told all the fees would be included, you were not told that the fees are paid upfront leaving no available money to pay your funders!  In disbelief, you go read the agreement you signed and you’ll realize how you were duped and not only are all the fees paid upfront, but THEIR FEES ARE NON-REFUNDABLE, AND PAID AS A PERCENTAGE OF THE AMOUNT YOU OWE LEAVING NO INCENTIVE FOR THEM TO DO A GREAT JOB, ONLY INCENTIVE TO CONVINCE YOU TO HIRE THEM in the first place!  Only then do you do your research on the company and you’ll find out they’ve done the same thing to many other business owners.  Even worse once you fire them, your business will be far worse off than it was originally not only because you wasted money paying a company that did nothing for you, but your funders have since added a ton of extra fees as per their agreements.  Funder fees are typically in the ballpark of:

  1. insufficient fund fees (typically $35 per occurrence)
  2. stop payment fees (typically $500 – $5,000)
  3. fees for changing bank & merchant accounts (typically $100 – $2,500)
  4. default fees (typically $2,500 – $5,000)
  5. 3rd party interference fees (typically $2,500 – $5,000)

Most MCA Funders will NOT even talk to third parties – unless the third party is a law firm!  This means the many companies promising relief that are not law firms typically have to hire a lawyer themselves to get the work done and their profit lies in the difference between what you pay them in fees and what they pay the law firm they hire, so why go through a middle man instead of direct to a law firm yourself?  Not only will you save on their added profit margin, but wouldn’t you rather be counseled instead of sold?  Our competitors only offer one solution because it is the one they have the greatest profit margin with and will therefore make it seem like their one and only option will be best for you no matter your specific situation.  But think about it…if one solution really worked for everyone – why do multiple solutions exist? How will you make an educated decision as to what’s best for your business if you are not even educated as to all the different options?

Non-Law Firms will NOT be able to give you legal advice.  If they do provide legal advice, they are doing so illegally, and it may not be accurate!  If sued, they will NOT be there for you as they can NOT represent you in court

Hire A Law Firm or Don’t Hire Anyone!

We Offer SIX Solutions – Not Just One
We Have Experienced Lawyers & Affordable Fees
We Don’t Charge Our Contingency Fee If We Don’t Succeed So Our Incentive to Succeed for You! 
We Discuss the Pros AND Cons of Each of Our Different Options 
Let Us Help Save Your Business!

Merchant Cash Advances, Personal Guarantees, and Bankruptcy


If you have done anything to breach your signed MCA agreements, your obligation will not go away by closing your business as your funders will look to enforce your personal guarantees.  Some actions that are considered breaches of your funding agreements can be:

  • not disclosing existing funders during underwriting,
  • obtaining additional funding,
  • using a factoring company,
  • stopping or blocking payments,
  • revoking access to view your bank accounts,
  • changing bank accounts,
  • changing merchant processors,
  • and several other ways.

If you breached your agreements and want to file bankruptcy, filing business bankruptcy won’t relieve you of your personal liabilities and filing personal bankruptcy won’t relieve your business of its liabilities.  Meaning, if you are a business owner and want to file for bankruptcy, the obligation for your business to pay could be discharged, however, your personal liabilities would remain (and vice versa).  We can file all types of both personal and corporate bankruptcies like Chapter 7, Chapter 11 including Subchapter V, and Chapter 13.  We also offer MANY alternatives to bankruptcy if you’d like to avoid filing bankruptcy completely!

Client Testimonials

The court proceedings were annulled, and agreeable working terms were consolidated with my creditors

“Having to deal with a debt collection and settlement situation is a scenario that can certainly occur to anyone, irrespective of their station in life or how judicious they might have been in managing their finances. I was very ill-prepared to deal with this situation when it confronted me. By shear chance, pretty much stressed out on my options, I stumbled on on my very first internet search. This was indeed my first port of call; I talked to Michael and I had the gut feeling I could work with them. I have not only been happily surprised, but very satisfied with my collaboration with Dramer.  Michael, my principal liaison from day one has been very professional, available, applied, assiduous, and reassuring throughout this relationship; it is hard not to state it in such glowing terms, when it is what it is. From communications via phone calls, faxed messages, and e-mails I was able to receive and transmit all the paperwork relevant to my case. The court proceedings were annulled, and agreeable working terms were consolidated with my creditors. Equally appreciative is the post-resolution services and relationship that Dramer offers. Please give Dramer a try and I’d bet you will express your satisfaction in even more glossy terms.”  N.T. Oneaonta, NY.  12-22-2017

I wouldn’t go anywhere else.

“The Law Offices of Kenneth H. Dramer are extremely knowledgeable and dedicated. They completely turned around a very trying situation for me. I had a million questions and was pretty lost about what steps I should take next and Mr. Sininsky, quite patiently explained everything to me. I wasnt even their client at this point and they were already going above and beyond. I didn’t feel rushed or like I was being blown off. It was that unfront honesty and eagerness that sealed the deal for me. Once hired the process was thoroughly explained to me and it was about as effortless (at least on my end) as humanly possible. Mr. Sininsky was personable, honest, deligent, and stayed in communication with me every single step of the way. I never felt at anytime like I was getting less than 110% from them. If I have any other legal issues that fall within the area in which their office practices, its literally a no brainer for me, I wouldn’t go anywhere else.”  Teresa J.,  Bronx NY.  12-14-17

Very sharp and on point. Their price is very reasonable.

“Like most people bankruptcy never crossed our mind. My husband and I owed  a lot  of debt due to closing of our business, but we still tried to payoff debtors little by little. Until we got hit with a summons from the court ( for over 100K lawsuit). We research all over the internet and called many law firms and layers. Many of them ask what we want to do?.. We wouldn’t of call if we know what to do. And some offered hardship /debt relief or settle your debt for less.. no matter what you call it at the end you still have to pay  the creditors, the debts collectors and the lawyer. In our case there is no way we can payoff everything. Many random phones calls later, we were fortunate to come acrossed Mike, he has explained  to us bankruptcy doesn’t  mean we will lose our house or car.  As couple we are able keep certain amount of assets. We were also worried about our credit score, the bankruptcy record will stay in your record for 7 years ( our score were poor anyway).  There aren’t that many reviews on the internet about them and like most people we’re not sure if we can trust them.  Give Mike a call and a chance, his very sharp and on the  point. Their price is very reasonable.  Bankruptcy was the best choice we made and the cheapest way out. Now half year later we are debt free, no need to worry from phone calls from debts collectors.  Get to keep our house and car, even our credit score went up.  Don’t understand why we didn’t  do it  sooner I guess we were like a lot others  going day by day try to be nice by paying off little by little.  Thanks!”  JC,  Queens, NY.  7-7-2017

They were extremely professional and made the process easy

“The Law Offices of Kenneth H. Dramer P.C Attorneys at Law were efficient in handling by bankruptcy case. They were extremely professional and made the process easy! I highly recommend them.” – Jamie M.  Seaford, NY 5-30-2017

They're highly recommended

“They were very helpful. They were able to reduce the money I owed to less than the original amount. Mike handled my case, he’s very professional and efficient, he made sure I understand the whole process, any questions I have are answered promptly. They’re highly recommended.” Rodolfo P.  Queens, NY   6-27-2018

It has been an absolute pleasure working with you

“I just wanted you to know it has been an absolute pleasure working with you. You never made me feel harried, pressured or overly anxious about paying off my bills. I wish everyone would be like that.  Thank you again & i hope you don’t mind if i touch base with you the future, just to give you updates on how things are going.  Be well.”  Mary R.  Bayshore, NY  4-30-2018

I would highly recommend Dramer Law for your debt settlement needs

“I would highly recommend Dramer Law for your debt settlement needs.  A few years ago my husband and I had accrued entirely too much debt and no matter how hard we worked or how much we tried, we were unable to keep up with our bills and making the minimum payments was getting us nowhere. The best decision we could have made was to begin the debt settlement process. Most of the debt was in my name so I contacted Dramer Law . I have been extremely pleased with the efficient, attentive, reliable service provided by Michael Sininsky. I was initially hesitant to enter into any debt settlement program but now, without hesitation, I will say it was the best decision I could have made . From the initial consultation and throughout the entire process ,Michael patiently and fully explained everything.  Any questions I had were addressed rapidly and any messages I left were returned promptly.  I/we started out with $87,555.84 total debt and ended up paying back $26,020.71. That’s a savings of $61, 000.500 , or a 70% discount off our balances. I’m so happy we decided to go with Dramer Law and cannot thank Michael enough for all his hard work and professionalism.  Any fees paid to Dramer Law were very fair and minimal compared to what I was paying to the credit card companies each month.  Being debt free is such a relief- now we can move forward and put our money toward our kids college educations and save for our future.I am happy to recommend them and am so glad I contacted them a few years ago.  Sincerely,  Susan M.”  Commack, NY 3-27-2018

We would highly recommend their services for debt reduction and settlement rate negotiations

“Michael Sininsky is professional and responsive in every aspect of all services provided.  Readily responds to questions and concerns in detail. Proactively addresses potential barriers and issues to prepare clients of required actions and response sets. We are very satisfied with the work and support provided by Michael Sininsky and The Law Offices of Kenneth H. Dramer. We would highly recommend their services for debt reduction and settlement rate negotiations.”  – John & Pat T.   Valatie, NY  5-30-2017

Your promptness, efficiency, and trustworthiness have always been beyond my imagination.

“Thank you very much. Your promptness, efficiency, and trustworthiness have always been beyond my imagination. Perhaps I will be like that one day (in another life).” Peter L    Valley Stream, NY  3-2-17

Thanks for being so helpful

“Thanks for being so helpful i am glad for your help  I hope I can send  some client  your way  thanks  so much”  –  Audrey.  Arverne, NY 2-6-17


Not only did you get me out of debt but you gave me a freedom that can’t be described.

“Happy new year!  Of course I want to thank you further than what I wrote. I can not thank you enough for giving me freedom from debt. As you know being in debt that you can’t see your way out of causes so many restless nights and a lot of stress and anxiety. A few years ago I could not imagine a way out of this hole that I dug myself. I literally was paralyzed by fear and could not even face the mail. I kept hoarding mail and it overwhelmed me. With just one meeting with you, you gave me hope that just maybe I too could live debt free and once again become a responsible spender. Not only did you get me out of debt but you gave me a freedom that can’t be described. I am able to once again look others in their eyes. I feel as though a weight has been lifted that burdened me physically and mentally for a long time. Not only did you help me do this, but I have learned some other valuable lessons that are priceless like don’t spend beyond your means and if you don’t have cash for it don’t buy it. Thank you for helping me. I am eternally grateful to you and the rest of Dramer Law. ”  –  Anne G. – Brooklyn, NY  1-2-2017


Thank you so much for your help. I’ve said it once, and I’ll say it again – you are greatly appreciated!!

“When I initially called, I spoke to Mike.  I want to say, he immediately put my mind at ease.  He explained your retainer fee; that costs for filing papers; phone calls, and other incidentals, would be deducted from that fee and, if any fees were due at the end of the process, I would be liable for those additional fees.   Mike was able to work with me, keep me calm and focused, and I have gone from being in foreclosure to NOT being in foreclosure!!  I’m so relieved.  Mike spent time communicating with me either by e-mail or phone.  He kept me up-to-date about the process of this whole mess I got myself into and he was truly a comfort to me these past few months. I hope other staff in your office are as efficient and compassionate as Mike is.  He’s truly an asset to your business.  Mike – Thank you so much for your help.  I’ve said it once, and I’ll say it again – you are greatly appreciated!!”  –  Susan F.  Copaigue, NY.  6-13-16


I was very pleased…

“I was very pleased with the legal services I received from the Dramer Law Firm regarding settling a debt collection matter with a very stubborn collection service”  J. V. – Cobleskill, NY. 5-26-16


I am very grateful….highly recommended

“I am very grateful of Michael Sininsky’s assistance to get through the process. He is very professional and extremely helpful. Highly recommended.”  G.P.   Floral Park, NY.   2-2-2016


Very extremely effective in working with me to reduce my consumer debt

“I highly recommend the services of The Law Offices of Kenneth H. Dramer and Michael Sininsky. Although I wish I had never put myself into the position to need this companies services, Mr. Sininsky was very extremely effective in working with me to reduce my consumer debt. During the entire process, he and his team were able to handle communications with the creditors, and successfully negotiate the terms and balances on my accounts. Thank you again for all your help – Greg T.”  Long Island, NY. 1-21-16


Excellent, excellent service. Highly recommended.

“Excellent, excellent service. Highly recommended. Handled my debt in a month and cut it in half. Worked with Michael who was so patient and was very understanding. Very pleased with the results.”  S.P.  Bronx, NY 11-24-15 review posted on Yelp.


Please accept our gratitude for all your help

“Hi Michael, Just wanted yo drop you a note in appreciation for all you have done for Bob & I in regard to  the Capital One situation.  Your guidance, understanding and expertise were very comforting to us .Of course we are so happy that this situation is now settled.  Again, please accept our gratitude for all your help.  Bob & I wish you a Happy, Healthy Holiday Season.  FONDLY BARBARA & BOB G” Brooklyn, NY 11-16-2015


I’m very happy

“I think you and the company basically do a good job and I appreciate it. As I mentioned before the only thing is I’m interested to see when the payments I’ve made start showing up on my credit report as it’s still very low.   Overall, though, I’m very happy.”  Mike S.  Baldwin, NY  8-3-15


I would highly recommend this firm to anyone going through financial difficulty and need good advice.

“I was so happy to have been represented by the law firm of Kenneth H. Dramer. They were so helpful at a very difficult financial time in my life.  They advised me every step of the way through the difficult process of bankruptcy.  If I had any questions or concerns they would answer any questions very quickly and patiently.  I would highly recommend this firm to anyone going through financial difficulty and need good advise. ”  Lillian L.   Queens, NY 7-20-2015


I thank the company and Michael for giving me peace of mind at this point

“I was deeply in debt and after I tried everything I could think of -including a reverse mortgage-I heard of this law firm and I was told to contact Michael Sininsky.  Michael explained the process in detail and even though I was quite hesitate I feel this was the best option for me.  He was kind, calming and very thorough.  In hindsight I wish I had declared bankruptcy but this was clearly my decision.  I thank the company and Michael for giving me peace of mind at this point.”  Sue R.  Allegheny Co, PA  6-15-15


Thank your law firm for helping us get out of debt and back on track

“To Whom It May Concern ,  We would like to thank Michael Sininsky and your law firm for helping us get out of debt and back on track . Michael was always professional and courteous as well as efficient . Any email or phone call was returned immediately with answers to each question or concern we had .    We would like to say Michael Sininsky is an asset to your company . We were thankful that he had our account .       Sincerely , Robert & Michele A.   Whitestone, NY 5-25-2015”


I would like to express my gratitude

“I would like to express my gratitude for your perseverance in assisting me through the toughest time of my life.  Getting out of that debt was like taking a huge weight off my shoulders.”   Cory K.  4-20-15


Thank you from the bottom of our hearts for all of your efforts in getting us through this!

“Nicki and I are ecstatic, she is so happy she is in tears!  This has been a long journey and you have taken us through it just as you promised.  We think back at how hopeless we were feeling when we first contacted you and your firm, how reassuring it was to speak with you and how you empowered us to get this dark cloud behind us.  This year, my wife and I will be celebrating 25 years of marriage and I can’t think of a better 25th  wedding anniversary gift than this!   Thank you from the bottom of our hearts for all of your efforts in getting us through this!  Most Sincerely,  Ken and Nicki K”   Highland, NY.  4-6-15



“Dramer handled my case very professional.  They were patient and very helpful with my case. Recommended!”   Alex M.   Floral Park, NY 12-24-14


Resolved a 15 year matter in 2 weeks unfroze our accounts and saved us more than we could of imagined

“I would like to open by saying how grateful I am to Michael Sininsky for helping me with my legal problem.  I was beside myself when I spend a hit letter from an attorney who.informed me that I was in debt for a very large amount of money that was owed 15 years ago I thought the matter had been resolved through my divorce, but dismay it wasn’t and had accrued an astronomical amount of late payments and finance charges, they froze our bank accounts , but through the expertise of Mr.Sininsky he resolved a 15 year matter in 2 weeks unfroze our accounts and saved us more than we could of imagined I recommend the Dramer Law firm highly and lifted a great deal of stress for us. sincerely Mr & Mrs. Vogel”,  NY   12-15-14


We are so pleased with the results.I know we could not have been successful without their help

“Recently we finished the debt relief program through Dramer Law. We are so pleased with the results.I know we could not have been successful without their help. Michael called every month to see how we were doing and was always available to answer questions or offer support. What a wonderful feeling to be out of debt at last!  Michael, I’m gonna miss you!”   Steven & Esther W.  12-12-14


Why Choose Dramer Law for Your Company’s MCA Needs?

Merchant Cash Advances Are Our Specialty

Other companies and law firms offer bankruptcy and ways to help with your MCAs – we specialize in it!  All of our services are strictly debt related so our clients have unique needs that we can cater to when compared to the needs of clients of other general practice law firms.  We know how overwhelming MCAs can be emotionally as they drain your business of available funds.  We offer many different relief options and we service our clients like family so we’ll explain all your options and won’t rush you through this difficult time.

Affordable Fees

Since our clients don’t have tons of money to spare like lawyers that practice in other areas of law, we make our fees affordable allowing payments over time, allowing you to get your relief started as soon as possible!  Unless your case involves one of our lawyers having to go to court, our service fees are not charged hourly, but instead are based on performance.

One on One Client Service

All of our client relationships are One on One.  You’ll have one individual client service representative that will be your point of contact and you’ll build a relationship with them so they’ll know exactly what you are going through.  Aside from treating you with the upmost care possible, this means you won’t have to deal with multiple people and re-explain your situation to a different person each time you call.  This saves time for you and eliminates any extra stress for you as time is money and being stress free is just as important as being debt free!

Our Response Time With Both You and Your Funders

All of our lawyers, paralegals, and staff are dedicated to providing the best possible experience, while achieving results.  We are available long hours but should we happen to be unavailable for any reason we pride ourselves on returning calls and emails right away, not several days later like most other law firms.   If a law firm or company you hire doesn’t return your calls in a timely manner, do you think they will be timely in responding to communications from your Funders?  How hard do you think they are working for you?  If you search the internet you will see horror stories caused by the actions of our unresponsive competitors, which lead funders to seek collection efforts against business owners personally – often meaning lawsuits.

Our Reputation

Many times, after we successfully help our business owners with their MCAs, certain problems may have spilled over to their personal lives.  We offer many different services for those struggling financially with Personal Debts, Past Due Mortgage Payments, Back Taxes, Student Loans, Timeshares, and more.  When ANY Debt is the Problem – We Have the Answers!

Other Services

Many times, after we successfully help our business owners with their MCAs, certain problems may have spilled over to their personal lives.  We offer many different services for those struggling financially with Personal Debts, Past Due Mortgage Payments, Back Taxes, Student Loans, Timeshares, and more.  When ANY Debt is the Problem – We Have the Answers!

How Dramer Law Handles Our Business Relief & MCA Cases

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Free Consultation, Fact Finding, & Financial Analysis

The First Step in Becoming Debt-Free & Stress-Free Starts With Your Free Consultation

When you call our firm, we will want to know how and when your financial hardship began as well as what the current status is, to get a better understanding of what you are experiencing.  Our staff is trained to ask the right questions to make sure that no stone in your financial picture goes un-turned.  Any representative that will speak with you will have a minimum of 10 years experience.

We analyze your current financial situation including your assets and liabilities as well as your current cash flow, allowing us to narrow down our services more specific to your needs.  This step is critical in any of our processes as we ensure that whatever service we recommend will be within your budget and therefore you’re more likely to succeed.


Full Disclosure, Recommendation, & Customization

There are multiple options for each problem we encounter.

Based on your analysis; we will then tailor fit the best option to the individual needs of your budget.  We will explain in great detail all aspects of each process including the risks & fees – not just how much money you can save.  Nothing will be hidden from you as we are a full disclosure law firm.

Our Lawyers and other representatives are NOT paid a commission so there will be no sales pressure at our law firm.  There is no obligation to retain our services.  You will be given all the facts you need, and then you will be given plenty of time to think things over.  Your business decisions are important and we won’t rush you!  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!


Limited Power of Attorney & Authorization to Communicate

Funders are Sent Notice of our Representation

Once retained, we immediately send a copy of our Limited Power of Attorney to your funders, their debt-collectors, or attorneys.  Sending notice of representation is the first step in curbing any creditor or collector calls you may be receiving.  We do not want you to be harassed – we’ll take over the calls for you.

We Get The Job Done

We Work Efficiently & Quickly

The combination of our experience, well-trained representatives, long hours, and state of the art software, allow us to accomplish more in any given day than most other firms only dream about. This can be said for ANY business relief service we offer from negotiations to litigation to bankruptcy.  We work quickly on your behalf as the longer you delay your assistance, the more fees and penalties your funders add your balances.  We will be in touch with you throughout the process to keep you informed and will be available when you need us.

We are Incentivized to Perform

Our negotiation services are offered a fee structure as such that you pay a small part of the fee when retaining our firm and the rest only if we’re successful.  The success fee helps ensure we are incentivized, so you’ll know we have your best interests in mind.   We don’t benefit from getting you to hire our law firm, but instead, we benefit when we get the job done for you.  You pay for our performance – and that’s what we do – we perform!  We never agree to anything without first consulting with you and getting your approval.  It is your business and your money, so you have the final say in all of our negotiations.



Are you looking for professional advice?
Let Us Help You!

At The Law Offices of Kenneth H Dramer PC, before we make any recommendations, our lawyers, paralegals, and legal assistants are trained to ask the right questions to find out about your specific situation. Based on your current situation and 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 FOR A FREE CONSULTATION and one of our advisors will be there to get you started on your path to financial freedom. There is no obligation to enroll, so don’t delay.

One way or another, we can help!
There is No Obligation, So Don’t Delay…Get Your Free Consultation Today!


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 the downsides a choice may have the greater the potential for savings.  Our representatives will be sure you understand the cost benefits and will be sure to disclose our fees fully.


Hire 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.

You have nothing to lose except for your debt!


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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 a 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 a lawyer. 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.