Merchant Cash Advance Relief Attorneys

Did Midnight Advance Sue You or File a Confession of Judgment Against You?  Are you Dealing with Frozen Bank Accounts, UCC Liens, or Property Liens?

Our Debt Lawyers Can Help!

Debt Collection Defense Services

Repayment Plans

Debt Settlement




Business Debt Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Business Debt Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Let Us Help You!

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Our Business Debt Relief Attorneys Fight Midnight Advance for You!

If you are about to fall behind on your payments to Midnight Advance, or if you are already in default and they sued you or filed a judgment against you, the Debt Lawyers at Dramer Law can help.  We provide Merchant Cash Advance Defense Strategies and will help to protect your rights.  We’ll analyze your budget and help determine if we can obtain a lower payment based on your current revenues or if sued, we can help defend you or settle the lawsuit for less than what you owe.  As a last resort, we can even help you or your business file for bankruptcy.  One way or another, we’ll help solve your MCA and other business debt problems.

In many instances, a well-prepared defense is all it takes to have a lawsuit from Midnight Advance dismissed or a judgment vacated, while other cases we can settle the lawsuits or judgments for less than what you owe – without you ever having to step foot in a courtroom. 

When MCAs or other business debts are the problems – we have the answers.  Practicing law since 1993, Kenneth Dramer and members of his staff have helped thousands of people with their obligations, business problems, and other financial issues.  When you choose our law firm to help you deal with your business debts or legal actions, one of our debt attorneys will evaluate your current financial situation and will 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!

Did Midnight Advance File a Confession of Judgment Against You?

If a Confession of Judgment or default judgment has been entered against you as a result of you not being served correctly or at all, our debt lawyers can help you fight back and have your day in court.  We have successfully vacated many judgments for our clients and helped them save thousands of dollars that would have otherwise been seized by collection attorneys.

MCA Collection Defense is a Large Part of Our Practice

We staff our law firm with highly qualified debt lawyers who deal with Merchant Cash Advance Debt Relief.  We are well versed in protecting the rights of our clients an will vigorously work to defend you.

Some clients only owe money to Midnight Advance while others have multiple positions with several merchant cash advance companies, as well as other business lenders, vendors, and tax problems.  We understand that each situation is different, and therefore, each situation calls for a specialized strategy.  Our experience has well prepared us for any situation that may arise in protecting your rights.  While taking into consideration your budget, our debt lawyers and attorneys will analyze your situation and will work with you to develop the appropriate strategy that best suits your needs.

We can provide you with the following services to help with your Debt Collection Lawsuit Defense:

  • Forbearance Negotiations
  • Payment Plan Negotiations
  • Debt Settlement
  • Vacating Confessions of Judgment
  • Defense Litigation
  • Bankruptcy

Midnight Advance Froze My Bank Account – Can Your Law Firm Help?


ABSOLUTELY!  If there is a judgment against you, Midnight Advance can now freeze your bank accounts without giving you any further notice.   We might be able to vacate the judgment and remove the bank levy.  That means if you weren’t served or a confession of judgment was filed without prior notice, and therefore didn’t even know about the lawsuit, we may be able to fight the judgment and get it removed.  If the judgment is valid, then we can still help in other ways.

If your bank account is frozen, we can help!  Most of the time, we can settle bank levies for less than the amount owed, saving thousands of dollars for many of our clients and allowing some or all of the funds that were previously frozen to be released!  We can negotiate what’s known as a Conditional Release to save some of your funds – before the marshal or sheriff can take them all from you.  If you do not have the funds to settle, we can even help you work out a payment plan or file for bankruptcy if you qualify for it.  One way or another, we’ll be able to assist.

Midnight Advance has a UCC Lien Against My Receivables – Can Your MCA Collection Defense Help?

ABSOLUTELY!  If Midnight Advance file a UCC against your receivables, they can send a notice of the lien to your customers or your payment processors and can freeze your receivables without you receiving any advance notice.  

Most times, we can settle the balance for less than the lien amount – helping save thousands of dollars.  Once you pay off the negotiated amount, we will obtain an Order of Lien Release for you (UCC3 Termination).  If the held funds aren’t enough to negotiate a settlement for less than what you owe, we can help you work out a payment plan or even file for bankruptcy if necessary.

Midnight Advance is Trying to Enforce My Personal Guarantee – Can You Help?


ABSOLUTELY!  If there is a judgment against you personally, Midnight Advance can seize your assets and can even garnish your salary without you receiving any advanced notice.  If you continued paying your contractually agreed upon specified percentage to Midnight Advance until you closed your doors, and did nothing else to breach your agreement which can include but is not limited to taking out multiple advances, stopping payments, changing bank or merchant accounts, etc. we can help you fight and void your personal guarantee. 

If you breached your MCA agreement, your personal guarantee might still be valid in which case most times, we can settle the balance for less than the amount you owe.  Once you pay off the negotiated settlement amount, we will obtain a Letter of Satisfactory Judgment for you.  If you do not have the funds to settle, we help you work out a voluntary payment plan or can help you file for bankruptcy if you qualify.

We are a New York Based Law Firm with a Nationwide Practice

If you were sued by either Midnight Advance, or a different Merchant Cash Advance company or creditor, we understand that it can be extremely stressful. Our client service representatives, paralegals, and attorneys are fully committed to providing the best-personalized attention in a one-on-one setting. We will always be here for you as a shoulder to lean on in your time of need.

If You Owe Money to Midnight Advance


We Can Help.


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 in dealing with debt negotiations!


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 or your business allowing us to do what we do best in dealing with the collectors thus saving you time and allowing you to do what you do best.


We then work on 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 helping you to 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 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.

Without a plan that fits your budget, financial problems can spiral out of control and you can fall further into debt.

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 or seize your assets.  With most of our debt relief options, you will have the ability to choose which of your accounts you want to have included and which you do not.

Whether your situation calls for debt consolidation, debt management, debt settlement, or bankruptcy, when you hire the debt lawyers and experts at Dramer Law – we get the job done!

Why Choose Dramer Law for Your Debt Relief Needs?


Debt is Our Specialty

Other companies and law firms offer debt relief – we specialize in it!  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 debt relief options and we service our clients like family.  You should never settle for less when trying to settle for less!


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.


Fee Guarantees

We get the job done and are that confident of our ability to help with any situation you can throw at us that we don’t charge you if we don’t save you money – GUARANTEED!  We will either save you money or you will not pay us! (*court appearances not included as they incur hourly charges)


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!


Client Service Response Time

All of our attorneys, paralegals, and negotiators 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 attorneys.


Our Reputation

Many companies do nothing for the high fees they charge.  We have heard many horror stories.  These companies aren’t proactive, they put no effort into negotiations,  they don’t even return calls from collectors!  These actions cause collectors to seek other measures to collect, often meaning lawsuits.   We typically work repeatedly with the same companies and are known for resolving accounts so therefore have a great reputation with industry creditors and collectors.  This benefits you when we contact these companies on your behalf, they know the accounts will get resolved and therefore we are usually able to avoid legal action!

We can help you if any of the following are true for you:

  • You struggle paying your bills
  • You use credit cards for purchases you can’t afford
  • You don’t qualify or don’t want a loan
  • You are delinquent with one or more of your bills
  • You are receiving collection calls and notices
  • Another company tried negotiating but didn’t get results
  • You want to Avoid OR want to File Bankruptcy

With Multiple Options & Experienced Staff,

We’ll Have the Debt Relief Solution to Fit Your Needs

We Can Also Help You With Bankruptcy

We are happy to offer our clients the choice of Chapter 7 or Chapter 13 bankruptcy as it is an excellent option for many people that need a resolution of their past due debts. However, most of our clients want to avoid bankruptcy and look for alternatives to bankruptcy for many reasons.

There is a loss of control associated with Bankruptcy, and most of our clients don’t want to hand over all their discretionary funds to the court. They don’t want to deal with the possibility of ongoing court hearings associated with filing where monthly payments can go higher if their income increases. 

Read More about Bankruptcy by clicking here

Chapter 13 Bankruptcy can be costly due to the repayment plan that needs to be presented to the court trustee. The calculations and work that go into preparing these plans can take many hours, and any single creditor objection can cause recalculation hours.  These hours all add up to legal and court costs.

Many people want to avoid the downsides of Bankruptcy.  Some of the significant disadvantages are that a Bankruptcy filing becomes public record and can also stay on your credit reports for up to ten years.

Sometimes avoiding bankruptcy by working out flexible terms with your creditors is a more beneficial option. The costs of other debt relief options may be less than a Chapter 13 and our law firm’s no fee guarantee; we do not charge you on any account if we do not save you money. However, if you are unable to designate funds for negotiation purposes, bankruptcy may still be the right option for you!

Dramer Law is based in the New York City area and have expanded our practice with Of Counsel attorneys throughout the country. Our staff consists of some of the most experienced debt lawyers, debt relief professionals, bankruptcy lawyers, and other debt specialists all dedicated to helping you!   Visit our Bankruptcy Page to learn more or Call 1-888-314-1722 Today for Your Free Consultation. 


You have nothing to lose except for your debt!


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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.