North Carolina Merchant Cash Advance Attorneys

MCA Lawyers Protecting Business Owners in North Carolina

 Forbearance, Restructuring, Settlement, Litigation, & Bankruptcy

Business Services

Forbearance Agreements

Debt Restructuring

Debt Settlement

Lawsuit Litigation

Business Bankruptcy


Debt Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Debt Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Let Us Help You!

Get Your Free Consultation

North Carolina Merchant Cash Advance Lawyers

  • Is a Merchant Cash Advance (MCA) ruining your business cash flow?
  • Were you lied to by a broker?
  • Have you tried to refinance an MCA and were denied?
  • Did you sign a Personal Guarantee?
  • Do you want us to take over the calls from collectors?
  • Are you looking for repayment options to help reduce your payments?
  • Are you seeking settlement negotiations to reduce your principal balance? 
  • Are your accounts frozen due to a Merchant Cash Advance lawsuit or Confession of Judgment?
  • Have UCC liens been sent to your customers or payment processors?

If you’ve answered “YES” to any of these questions, our Merchant Cash Advance Relief Attorneys can help!  Through negotiations, we can restructure your advance to make it more affordable or offer a reduction of the principal balance owed through settlement negotiations and Merchant Cash Advance Debt Relief.  We can defend you in court and even help with bankruptcy as a last resort.  One way or another, we can help.

We Can Help You:
  • Lower your payments
  • Convert payments from daily to weekly or monthly
  • Extend the time to repay your advance
  • Settle your Merchant Cash Advance for Less Than What You Owe
  • Avoid harassment from funders, collectors, & collection attorneys
  • Defend Lawsuits
  • Even File Bankruptcy as a Last Resort
  • Renegotiate better terms on your MCAs or don’t pay our success fees!
Our MCA Lawyers Help Improve Cash Flow and Your Business! 

Our business debt attorneys and arbitrators have successfully worked with many struggling business owners who weren’t able to qualify for traditional bank funding who were then forced to pledge future receivables to one or more Merchant Cash Advance companies for the capital they needed.  Business owners like yourself caught in high-cost Merchant Cash Advance traps.

We can help protect your assets from your creditors, so you don’t worry about frozen accounts or assets.

In addition to potentially saving you money, retaining Dramer Law will save you time as we relieve you of the harassing and embarrassing collection calls you and your employees may get barraged with on a daily basis.  We help ensure the finances of your business stay private, away from the ears of your employees.  We’ll send notice of our limited power of attorney to anyone trying to collect money from you to tell them to contact our Law Firm instead of contacting your company.  

Options for Dealing with Merchant Cash Advances (MCAs)

The below options each have their own benefits and drawbacks.  Please call for your free consultation to speak to one of our trained professionals.

Deferment or Forbearance of Payments

We can negotiate a break from payments for a period of time helping you to strengthen your cash flow and give you some breathing room.


We can negotiate lower daily or weekly payments which will extend the terms of your payback.  We can convert withdrawals from daily to weekly or even to monthly.

Merchant Cash Advance Debt Settlement

We can negotiate the principal balance owed to a lower payoff amount so you can pay back less than you owe.

Lawsuit Defense

We can defend lawsuits to buy time for you to obtain funds to settle, and have successfully resolved thousands of lawsuits.

Sue Your MCA Company

A True Merchant Cash Advance is NOT a loan. An Experienced Business Debt Relief Attorney Can Spot the Difference and Sue your MCA Lender for YOU to Void Your Contract!



Merchant Cash Advances can be discharged through bankruptcy.  Whether or not the bankruptcy is filed personally or for your business will determine the result of how the discharge will affect your liability. 

View Results from Our Merchant Cash Advance Settlement Services.


All settlements are represented as a percentage of the debt paid back. 

For example, a 40% settlement means that 40% of the debt is paid back and 60% is forgiven.





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UCC Liens Filed Against Your Business?

If you took out a Merchant Cash Advance of any other business loan or line of credit, you have signed away UCC Lien rights to your funder.  UCC stands for Uniform Commercial Code, and these types of liens can be more detrimental to your business than a Judgment.  A judgment will allow your funder to freeze your bank accounts, whereas a UCC lien will allow your funder to freeze your receivables – BEFORE THE FUNDS EVER MAKE IT TO YOUR BANK ACCOUNT!  A judgment (whether entered by COJ, default, or awarded by a judge decision) can be used to freeze your incoming receivables, however, most funders do not use judgments to freeze receivables but file UCC liens instead as it is a much quicker, more effective tool!

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

  1. a customer list;
  2. trade references (of which some are your customers);
  3. bank statements (they will look through your statements to see who pays you); or
  4. access to your bank account (they will look through your account to see who pays you),

You can assume that within a day or two of filing a UCC lien against you, your funders will send a copy of the UCC lien to anyone they know of that pays you!

These liens will be sent to your merchant processors (credit card terminal, Square, PayPal, Shopify, Stripe, CashApp, Zelle, Venmo, etc.) and any of your customers they know of!   This means your customers may receive a letter telling them not to pay you – and to pay your funder instead!!!  Not only is that extremely embarrassing, but how will you continue to run your business without any money coming in?  Many of your customers who receive notice of the UCC Lien filed against you may see that as a sign of weakness and don’t want to deal with your legal issues, and some may choose to do business elsewhere, causing you to lose customers.  UCC liens are the most frequent issue we hear about from those contacting our Law Firm for help after defaulting on their payment obligations.

Signed a Confession of Judgment

A Confession of Judgment (COJ) is a legal document that waives your right to a formal legal defense in the event you default on your MCAs payments.  In the past, many MCAs used to enforce COJs in New York state, but in 2019, New York banned COJs when lending to out-of-state business owners.  This means in North Carolina, MCAs lenders cannot file a New York COJ against you, so instead, MCAs have started filing COJs in other states like Texas, Illinois, Utah, and a few others.  Most Merchant Advance lenders still file regular lawsuits to try to obtain a judgment – and we can defend lawsuits!

If an MCA is Suing You in North Carolina…

We have years of experience dealing with most Merchant Cash Advance Lenders and have helped countless business owners sued by MCA funders.  Don’t use trial and error to figure this out on your own with thousands of dollars at stake when errors can be costly!  We know what we’re doing.  Let our Merchant Cash Advance Debt Relief Attorneys and Certified Debt Arbitrators defend you or negotiate on your behalf to save you as much time and money as possible – the right way!

Is MCA Lender Trying to Domesticate a Judgment in North Carolina?

Domesticating a judgment is the process of taking a judgment obtained in one state and bringing it to a different state.  This is done to enforce a judgment if assets are located in a state other than where the judgment was originally obtained.  This is happening more often in North Carolina since the MCA industry has grown significantly in recent years, leading to more defaults and legal disputes between business owners and the Merchant Cash Lenders.  As a result, MCA companies are becoming more aggressive in pursuing judgments against borrowers who default on their MCA agreements – BUT WE CAN HELP!

Our Law Firm is Known for Helping Business Owners With This Niche Area of MCA Law (see below)


Most Debt Settlement Companies Do NOT Discuss the Risks of Lawsuits and UCC Liens

Debt settlement companies typically do not discuss any downsides of settling your Merchant Cash Advance obligations.  Settlement companies will harp mainly on the amount of money you should expect to save and that they will cut your payments in half.  They will tell you that you only have to make one payment into an escrow account and they’ll settle your balances for less – making MCA debt settlement seem like a walk in the park.  They are known to misrepresent their tremendous upfront fees or for just telling you not to worry about the fees because they’re all included in the monthly payment estimates.  These estimates they will give you are known for setting unrealistic expectations as they will make your potential savings out to be more significant than what their actual results tend to yield.  All this just to get you to sign on the dotted line.  Many business owners are struggling so badly that they will believe any promises of help for a way out and end up hiring a debt settlement companies.  The next thing you know, bank accounts and incoming receivables are all frozen leaving the business owner without funds to operate.  When the business owners call to find out what is going on, they quickly find out that no progress has been made!  It is at this time they will realize the debt settlement company is not looking out for your best interest, but instead, their own best interest which is to collect their absorbent fees.  At that point, the business owners then fire the debt settlement company and hire us for real help.  The problem is, you will NOT receive a refund of any fees paid to the debt settlement company and your business is now far worse off than it was!  Not only did you waste money in fees to the settlement company, but your funders have now all assessed extra fees per their contract which typically include:

  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)

DON’T FALL THE FOR DEBT SETTLEMENT LIES.  Debt Settlement can be a great option for some business owners, but for others it can be horrible!  Without truly understanding the risks, how can you make an educated decision as to whether or not debt settlement is going to be right for your business?

At The Dramer Law Firm, our fees are about 1/3 of what most debt settlement companies charge and we only charge a very minimal amount upfront (most of our fees come when we succeed)! 

Our lawyers and certified debt arbitrators will discuss the Pros AND Cons of each different option, as debt settlement isn’t the only option out there to choose from

Hire A Real Law Firm not a Debt Relief Company

If instead of hiring an experienced Business Debt Relief Law Firm you opt to hire a regular debt settlement company to deal with your Merchant Cash Advance, they 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 like we have done for our clients numerous times! 

A regular debt settlement company can offer one thing that our Debt Relief Attorneys don’t… OUTRAGEOUS FEES typically charged upfront regardless if they perform or not.



That is our one and only goal when we go to work for youTO SAVE YOU AS MUCH MONEY AS POSSIBLE!  Our MCA Settlement Attorneys and debt relief negotiators have combined decades of experience in contract renegotiation.  We know what to say but more importantly, what NOT to say and we have the experience and know-how to get the job done.

Put our experienced Merchant Cash Advance Settlement Attorneys to work for you.  CALL TODAY for your FREE CONSULTATION and let us help you save your business today!

How To Spot The Difference Between a Loan and Merchant Cash Advance


Merchant Cash Advances came about during the 2008 lending crisis when banks were refusing to lend to most small businesses.  Instead of lending an amount of money over a period, a Merchant Cash Advance company will purchase your company’s future receivables coming into your merchant account.  The key to understanding how to litigate these cases is knowing where an MCA differs from traditional loans and credit lines, defined by the risk involved by the purchasing company.

Loans are considered absolute and must be paid back with set terms and conditions.  A Merchant Cash Advance is not a set term as the purchaser is paid back as funds come into your merchant account.  If funds do not come into your merchant account, the MCA company should not collect.  Granted, they have specific clauses in their agreements to protect themselves from you closing your merchant account purposely to avoid paying, but if it’s open and just not receiving funds, nothing should be paid to them if it is a true MCA.

In summary, a Merchant Cash Advance company does not lend and charge interestbut instead purchases your future receivables.  By doing so, the MCA purchaser is taking the risk that your business may potentially not have any future receivables.  Their profit or loss derives from future receivables whereas a loan company profits on the interest rate.  MCAs and Loans also differ in that loan payments need to be paid regardless of receivables coming into your account.  In the case of some Merchant Cash Advances, the profit made by the MCA purchaser can range from 100% to 200% or even higher, which would undoubtedly be usurious by most states standards if it were deemed to be a loan.

Adequately drafted contracts allow future purchasing Merchant Cash Advance companies to get away with outlandish profit – but fortunately for YOU, most MCA purchasers do not have their contracts appropriately drafted!

Merchant Cash Advances and Brokers

The funders that gave you their money do want to make an obscene profit over a very short period of time, but to do so, you have to pay back the money you owe so funders will not typically set you up to fail – but instead, will set you up to struggle.  Funders will typically give you just as much as you can handle so you constantly struggle to keep your head above water.  By causing you to struggle consistently, it creates the need for refinancing and repeat funding, which means even more profit for your funders over the long haul.

The brokers, on the other hand, work on commission and are not the ones lending you the money – so they do not care if you pay all the money back or not!  Most times brokers are involved, we see business owners stacked with more advances than they can handle as the brokers will often set business owners up to fail.  Brokers will typically fund your business with many different funders and often times arrange for simultaneous funding.  If you fail to pay back the borrowed funds – or if your business failsTHE BROKERS DO NOT CARE as long as they receive their commission check!  The brokers are known to lie about almost anything just to close a deal!  The most common lie we hear is “the MCA is temporary and once you pay for a month, we’ll have you out of that and into a traditional loan” – the loan of course never comes through and your MCA payments are going to be more than you can handle!  Brokers are known to coach you into giving specific answers on your calls with the actual funders.  Through our MCA Lawsuit Defense and Commercial Litigation Defense services, we have held the brokers accountable for their misrepresentations by filing third party complaints against the brokers and counterclaims against the funders.



Your Merchant Advance is Most Likely Personally Guaranteed

Our clients are often unaware of the full extent of their personal liability when obtaining a merchant cash advance, as most MCAs require personal guarantees.  At our law firm, we specialize in assisting business owners to defend against merchant cash advance claims, and we understand the importance of resolving these matters the right way to also resolve the personal guarantees.  Whether it’s negotiating a settlement, litigating the matter in court, or even filing bankruptcy as a last resort, we are dedicated to protecting our clients’ rights and dealing with all aspects of merchant cash advance defense.

Merchant Cash Advances and Filing Bankruptcy


Most MCAs have personal guarantees which lead many business owners with little personal assets to file for personal bankruptcy.  If you are a business owner and want to file for personal bankruptcy, your obligation to pay back the advance will be discharged; however, the liability for the business remains – and vice versa.  If a business bankruptcy is filed, it will not affect your personal liability to pay back the obligation.  We can file personal bankruptcy (Chapter 7 and 13) and we can file corporate bankruptcy (chapter 7 and 11 including Sub-chapter V). 

How Dramer Law Handles Our Business Debt Relief Cases

Read More by Expanding the Below:

Free Consultation, Fact Finding, & Financial Analysis

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 unturned.  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 what you can afford.  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 so 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 Relief Specialists 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.  Debt relief is an important decision, 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
Lenders are Sent Notice of our Representation

Once retained, we immediately send a copy of our Limited Power of Attorney to your creditors, 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.

The Fair Debt Collection Practices Act (FDCPA)

Once any third party servicer, debt collector, debt purchaser, collection attorney, foreclosure attorney, etc. receive our Limited Power of Attorney, they are obligated to contact us directly on your behalf.  Failure to do so is a violation of the FDCPA, and we will sue them for you.  There is no fee charged to you if we do not win your case, and if we do win, you can win up to $1,000 per violation, and the collector in violation will pay our attorney fees for you.  It’s basically free money!

We Get the Job Done!
We are Incentivized to Perform

Our mortgage negotiation services are offered a fee structure as such that you pay part of the fee when retaining our firm and part of the fee 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 debt and your money, so you have the final say in all of our negotiations

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 service we offer from negotiations to litigation to bankruptcy.  We work quickly on your behalf as the longer you delay with a deed in lieu of foreclosure, the more fees your lender will charge.  We will be in touch with you throughout the process to keep you informed and are available when you need us.

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 debt lawyers, certified debt relief specialists, and paralegals are trained to ask the right questions to find out about your specific situation. Based on your current income and your financial hardship, we will determine which course of action will work best for you. We do not only offer one path, as no one process can solve everyone’s needs. We will take our time with you and help evaluate what your best course of action should be. CALL NOW 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!

Why Choose Dramer Law for Your Business 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 flat fee based not charged hourly.

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 your calls let alone 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 lenders 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!

Other Services

Many times, when we successfully get our clients out of debt, they still need assistance with other areas of their financial life.  We offer many different services for those struggling with debts including Business Debt Relief, Mortgage Relief, Tax Relief, & Student Loan Relief.  When Debt is the Problem – We Have the Answers!

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


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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 debt relief representatives will be sure you understand the cost benefits and will be sure to disclose our fees fully.


Retain Our Law Firm 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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*The Law Firm is a professional corporation.  Our headquarters is in New York.  We request assistance from one of our contracted affiliate attorneys nationwide for cases outside New York.  An associated attorney will be compensated through the Law Firm according to the work performed, in full compliance with both states’ rules concerning the division of legal fees between attorneys and the applicable rules of professional conduct.  Our clients will incur no additional cost if an associate attorney is needed.  
*Individual results may vary based on the client’s ability to save sufficient funds and complete all program terms. Our law firm does not assume or pay debts nor provide credit or tax advice on forgiven amounts.
*The information provided on this site is for general information and educational purposes only.  The information presented should not be considered legal advice, 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 and various other services to help avoid bankruptcy.