Debt Collection Lawsuit Defense Attorneys

Debt Lawyers For Help With NCO Financial

We Help With:

Lawsuits | Judgments

Bank Freezes | Property Liens | Wage Garnishments

Debt Collection Defense Services

Repayment Plans

Debt Settlement



Consumer Debt Relief Attorneys

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See what you can save.

Contact Us Today.

Consumer Debt Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

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Our Debt Collection Defense Attorneys Fight NCO Financial for You!

Does NCO Financial claim that you owe them money?  If so, our Debt Relief Law Firm can help you.  NCO Financial is a type of company known as a “debt purchaser” or “debt buyer” – not to be confused with a “collection agency.” Debt Buyers and Collection Agencies differ in that a collection agency gets hired by the company you owe money to, whereas the debt buyer bought your account from the company that you originally owed.  Once they buy your account they can either (1) try to collect from you themselves, (2) can hire a collection agency to work for them, or (3) can sell your account to a different debt purchaser.  It gets confusing once your account is bought and sold as multiple parties can be involved, therefore, before paying a debt purchaser, you should ask yourself:

  • How do you know they are the legitimate owner of your account? 
  • How do you know they are licensed to collect debts in your state? 
  • How do you know the amount they are claiming you owe is correct? 

When it comes to dealing with debt buyers like NCO Financial, there are tactics we use that we would not apply when dealing with either your original creditor or when dealing with a collection agency.  More specifically, part of our tactics involve using the following federal laws to protect you:

  • The Fair Debt Collections Practices Act (FDCPA),
  • The Fair Credit Reporting Act (FCRA),
  • The Truth In Lending Act (TILA),
  • The Fair Credit Billing Act (FCBA), and
  • The Credit Card Act of 2009 (only applies in cases when original debt stems from credit card use).

We are incredibly knowledgable of the laws that protect our clients and work vigorously to defend and protect you.  So, when NCO Financial purchases a debt of yours, we will request precise information to verify not only that they are within full compliance of all the above laws, but additionally, we demand proof of their right to collect and that the balance they claim you owe is accurate.  If they cannot provide all the specific information to prove their case – you will not have to pay them!

If NCO Financial Sued You, We Offer Several Debt Relief Options to Help

  • Payment Plan Negotiations
  • Debt Settlement Negotiations
  • Defense Litigation
  • Bankruptcy

Our experience has prepared us well for each situation we encounter may when protecting you.  While taking into consideration your budget, our Debt Lawyers and Certified Debt Settlement Specialists will analyze your case and will work with you to develop the appropriate strategy that best suits your needsWE OFFER ALL OF THE DIFFERENT DEBT RELIEF OPTIONS –  SO ONE WAY OR ANOTHER WE WILL BE ABLE TO HELP YOU!

We can negotiate a payment plan or a settlement for less than what you owe before you ever have to step foot into a courtroom.  Or, if you don’t have the funds to settle right away or for a payment plan, we can help defend you in court to buy you some time to get some funds together for negotiations.  We have provided Debt Collection Lawsuit Defense to many clients in the same situation and can assist with defending, postponing, settling, and dismissing your lawsuit and avoiding judgment entry.  

Even, if NCO Financial already entered a judgment against you, our Debt Lawyers can still help you save moneyWe have successfully helped clients get rid of judgments when they never even knew a lawsuit existed in the first place, and therefore never had the opportunity to defend themselves.  We have also settled many judgments for less than the full balance amount.  We can even help you file for bankruptcy as a last resort if necessary. 

Did NCO Financial Sue You and You Didn’t Even Know?


If NCO Financial never served you or improperly served you, how are you supposed to know they are suing you?  If you don’t know they’re suing you, how can you defend the lawsuit?  If you can’t defend the lawsuit, how can you possibly win?  The answer is – YOU CAN’T – and if you can’t win – it means NCO Financial already did

If NCO Financial got a judgment against you without you even knowing, then our debt lawyers could help you fight back and can get you your day in court.  We have successfully vacated many judgments for our clients and helped save thousands of dollars that would have been otherwise seized by collection attorneys.

Help with Frozen Bank Accounts

If there is a judgment against you, NCO Financial can freeze your bank account without giving you any advance notice.   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 the funds that were previously frozen to be released!  We can negotiate what’s known as a Conditional Release – before the marshal or sheriff can take all your money. 

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

If the judgment that led to the bank levy was entered against you by way of default, we might be able to vacate the judgment and remove the bank levy.  That means if you were sued but weren’t served and therefore didn’t even know about the lawsuit, we may be able to fight the judgment and get it removed. 


We Offer Multiple Options.

One Way or Another, We’ll be Able to Help.

Help with Property Liens


  If there is a judgment against you, NCO Financial can place a lien against your property without any further notice to you.   If there is a lien on your property, most times, we could settle the lien for less than the amount owed – before you try to sell or refinance, helping save thousands of dollars of your equity.  Once you pay off the negotiated amount, we then obtain an Order of Lien Release which removes the lien from your property.  

If you do not have the funds to settle we can help you work out a payment plan or even file for bankruptcy and a motion to avoid the lien if you qualify for it.

If a judgment by default led to the property lien, we might be able to vacate the judgment and remove the lien.  That means if you were sued but weren’t served and therefore didn’t even know about the lawsuit, we may be able to fight the judgment and get it removed – along with the lien. 


We Offer Multiple Options.

One Way or Another, We’ll be Able to Help.

Help with Wage Garnishments and Income Executions


If there is a judgment against you, NCO Financial can garnish your salary without much further notice.   If you received an income execution order to garnish your wages, most times, we could settle the garnishment amount for less than the amount owed.  Although settlements in these cases are typically at higher payback percentages, any savings is better than paying the full amount plus interest, court fees, and the Marshall’s or Sheriff’s Poundage fees.  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 file for bankruptcy if you qualify for it.

If a default judgment led to the garnishment, we might be able to vacate the judgment and stop the garnishment.  That means if you were sued but weren’t served and therefore didn’t even know about the lawsuit, we may be able to fight the judgment and get it removed – along with the garnishment. 


We Offer Multiple Options.

One Way or Another, We’ll be Able to Help.

When Debt is the Problem – We Have the Answers


Practicing law since 1993, Kenneth Dramer and our Debt Lawyers, Certified Debt Arbitrators, and Certified Debt Settlement Specialists have helped countless people with their personal and business debts, tax debts, mortgage problems, and student loans issues.   When you choose our law firm to help you deal with NCO Financial, one of our Debt Attorneys or Certified Debt Settlement Specialists will evaluate your current financial situation.   They’ll work within your budget to help create an individualized plan to suit your needs.  We will then help implement the strategies, and if successful, you’ll be debt free and stress-free – the way life should be!

We are a law firm based in New York and practice nationwide.  If either NCO Financial is suing you, or a different creditor, collection attorney, or debt buyer, 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.


We Offer Multiple Options.

One Way or Another, We’ll be Able to Help.

If You Were Recently Served Notification of a Lawsuit from NCO Financial, You Should Not Panic, but You Should Act Fast.

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, Debt Problems Only 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 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!

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.

Need honest professional advice?

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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*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.