See What Our Clients Have to Say About Us

“In the New Year one of the items left behind and glad to have it resolved was the exiting from our Timeshare company through the aid of Dramer Law Firm along with Mike Sinisky’s dedicated help. The Dramer Law firm did exactly what it advertised to do, and did it with a delicate but persuasive touch. With no “up front” fees it may seem too good to be true, but it IS a bona fide Law Firm with a documented history of successful performance. We were skeptical b/c of the slimelness of the timeshare industry, but every step with Dramer Law firm was predicted and dispensed with a deliberate action. We can with good heart recommend this firm for such a need.”

“The process was seamless and went very smoothly. Most importantly, we are out of our timeshare program.”

“We have been very pleased with the service provided by Michael and the team. Emails and calls were always returned promptly. We were always kept up to date on the status of our dispute. All of my many questions were answered with patience and professionalism. This team held my hand and over-all the process was smooth and organized. I would work with this group again and highly recommend.”

“Dramer Law helped me through a time of great difficulty.  After my divorce, My finances were in complete disarray and I didn’t know to whom I owed what. It is very frightening to be served in a judgement. The first time I spoke with my attorney he immediately made me feel at ease…that together we could take care of this. He then went on to explain the process which was very easy to understand and execute! He did all communication on my behalf with creditors and sent me detailed instructions on how to proceed. I saved a substantial amount of money but, most importantly was sent up with a payment that I could handle. Paying off old debt made me feel very good! Thanks to the help and hard work from attorneys at Dramer Law I am moving forward in a positive direction. I highly recommend using their service for debt settlement. They were courteous and made a difficult situation easy!!  Thank you so much for all of your help!!!!”

“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 Dramerlaw.com 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.”

“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.”

“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!”

“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.”

“SJ Packman was absolutely terrific from start to finish on my loan re-modification. SJ Packman made the process flow so smooth and easy. I was 9 months before on my mortgage and in jeopardy of going into foreclosure and SJ Packman especially Michael Sininsky had me back into structured payments in less than 60 days working with my lender. I can say because of SJ Packman I still own my home today. I would recommend this firm to anyone in my family or friends as this firm is fast, friendly, reliable, and the real deal.”

“The process to negotiate a debt was made easy and extremely fast.  What I had envisioned years to resolve was completed in just 5 months.  I was kept informed of the process every step of the way and received updates in a timely and efficient manner.  I would have never been able to have done this without the  help of SJ Packman.  I would especially like to thank Michael for his outstanding attention to detail and with the caring that he showed throughout  the entire process.  Sincerely,  Sue H”

“I really want to thank you because you really helped me when I was still signed up with that lawyer who took more of my money for himself than for my bills. I called a number on a flyer that I received in the mail and spoke with you. You explained what was going to happen if I stayed with that previous lawyer and you explained what I could do to get out of it. You were great! Then we met you to talk about a bankruptcy. Everything was explained in detail. All of my questions were answered, no pressure. I said I wanted to use The Law Offices of SJ Packman but I wasn’t ready. You said that when I was ready to let you know. You never pressured me or called to rush my decision. You were very patient and called from time to time to say hello and see how things were. We finally met with you again to get things started. You were with me the whole way. You were always available to answer any questions or calm my fears and sometime to answer really stupid questions. You never made me feel like I was a pest. You made it so easy to understand exactly what was going on and you took care of everything that needed to be done. When I was ready for my court date, Peter was very friendly and helped me go through with the final hearing.  I could not have done any of this without you, SJ Packman.  I would definitely recommend you personally. The price was fair and I was even offered a payment plan. You were there when I was ready and always supported and helped me. So Mike ,THANK YOU!!!”

“In today’s economic world, we were facing a financial hardship. We have to be honest, we were skeptical on contacting anyone with this embarrassing situation. Finally, we made a call to The Law Offices of S.J. Packman and spoke to Michael Sininsky. He made us feel that we were not the only ones, that this was not uncommon. We felt he was able to lead us in the right direction and help us out. Michael is friendly and professional. He answered all our “hundreds” of questions in a timely fashion. He explained the process thoroughly. We were scared and stressed, but Mike made it an easy process. It was actually a relief when completed. We would definitely recommend SJ Packman and Michael to anyone who needs assistance with financial problems. Thank you again for all your appreciated efforts”

“Mr. Sininsky and the company he represents is the best in the business. I had a lot of difficulties managing my credit card bills after the collapse in the economy a few years back. Thank God for SJ Packman and Michael Sininsky. I found them just in time. Now that all of my bills were paid, my credit is up and running again. I will recommend him personally to anyone who’s in the same situation that I was.”

“I would like to express my thanks to Michael from SJ Packman & Associates. I was left with bills after a separation where my bills exceeded my income after hearing about SJ Packman. I called them and spoke to Mike. At first I was afraid to get involved so I told mike I will call him back mike keep checking up on me and I finally explained my situation to him and he came up with a plan . Thanks to him I am debt free today. I would recommend anyone to him .Thanks again.”

“I really want to thank you for all what you did during this process to help me out of my financial burdens… I’m now in my way out… thank you to your help… You explained to me every step… very clearly… what was going to happen… how was going to happen … and I trusted you…”

“Sorry for the delay in writing to thank you but we have been busy enjoying life now that we are debt free. When illness hit after we had incurred children’s college bills and helping them to get started along with our own credit cards, we were entirely over our head. One day after trying to figure out how we could pay the monthly bills, I got the nerve up to call S.J. Pacman I talked with Michael and he was so helpful and encouraging that after talking with my husband, we decided to do it. With bills around $49,000 we started on our journey to get out of debt and here we are 2 years later, debt free. We would never have gotten on our feet paying the minimum payments each month. Thank you Michael and S. J. Packman for all your help”

“Thanks, Mike. I just entered into a 20% settlement agreement with citicard. I’m going to send you a small token of my appreciation of your professionalism and the time that you dedicated to my case. You should be receiving it in the next few days. Write me to confirm you received it. You’re a top-notch professional and talking to you made me feel like there was a way out. Thank you so much from the bottom of my heart.”

“Mr. Sininsky was wonderful to work with. He was so good about keeping me informed about what was going on. His hard work saved me over thirty thousand dollars. I am so happy I had him on my side.”

“My wife and I had a timeshare canceled with the help of Dramer Law, after numerous refusals to help from the timeshare company. Start to finish it took about 2 months. We got estimates from 4 or 5 other timeshare exit companies before Dramer, but they did not seem reliable as far as their services and claims or guarantees of success, or just seemed a little shady. They also required upfront fees (which Dramer Law did not) and were 2-3 times more expensive. We were more than happy with the services provided by Michael Sininsky at Dramer Law and would recommend them to anyone looking to exit a time share.”

“Ken and Michael are professional, responsive and make the bankruptcy process smooth and easy.  I highly recommend you use them as going bankrupt can be emotionally difficult, but they put you at ease and walk you step by step through the process.  Michael is very organized and has this process down, so you are in great hands.  Once again, I highly recommend them as you won’t be disappointed.”

“Your office did a wonderful job helping us to reduce our pay back and the fees were low. Thanks again for all your help.​”

“The service was very quick and very professional, They didn’t let the MCA accounts push me around and they stopped the harassing phone calls, The entire process was super easy and quick, They provided me with different options and different ways they could defend me, While doing so they did not push me or try and sway me into doing one option or the other. They handled everything including dealing with the MCA accounts. I hope I never need to use them again, But if I did they would be my first call.”

“We wanted to thank Michael, Justin and all the lawyers for the help in successfully closing the timeshare. At first we were skeptical since it seems to be too good to be true but they really billed us only the $1,950 amount (@$650 per month for 3 months) stated in their website. No more no less. They spelled out the things we need to do when the timeshare company called (multiple times) or sent us bills and certified mails (we have a bunch of these statements and letters). They are very transparent and let us know that closing can take 9 months up to 3 years depending on the timeshare resort. They are very patient in answering our questions and when we forwarded all the bills and emails that the timeshare company kept on sending. There was no formal closure (except for a Special Warranty Deed) but the account was closed in our credit history report so that’s good enough for us. And as long as the timeshare company stop calling and sending us statements…

The only regret we have is we should have done this sooner. But better late than never. Again, thank you so much to everyone at The Law offices of Kenneth H. Dramer P.C. We really appreciate all the help we got.”

“I was feeling like I was at rock bottom with a foreclosure court date less than 2 weeks away.  The constant phone calls from the mortgage company, and papers served from the courts dragged me down even further.  I knew that ignoring the calls would only lead to my family being kicked out of our home of 23 years, but didn’t know how to tell the mortgage company, I had to make the decision to care for my family first in more than 1 way.  I was letting some bills pile up to pay others.  Electric was sending Final turn off notices, so they had to be paid. The gas company then came to cancel service, so they had to be paid. The kids are growing and expenses are increasing, month by month.  I have a good job, but back bills piling up make the hole  I am in difficult to get out of.

Refinancing was not an option due to our poor credit rating, and vacating the house or selling quickly was not what we wanted to do.  I watched Bankruptcy commercials, and searched online  for immediate help. It was time to finally face the problems I was having and not hide from them.

I found Dramer online through a google search and called.  I was nervous when the call connected, and spoke to a calming voice.  His name was Michael Sininsky.  He walked me through the process and made me feel so much better, as if there was a way out.  He handled everything with the Mortgage company and worked out a great deal that allowed me to afford my monthly payments and stop the pressure of getting calls from the lender and the courts.

I made my initial payments an received my Loan modification a few months later.  I received a letter from  the lender’s lawyers stating they were canceling the foreclosure, and a huge weight was lifted from my entire family.  We struggled, but got through it.

I know there are families in a similar situation.  I would definitely recommend Dramer and call them immediately for help.  I am still working to get back on my feet, but things are looking a lot better than they were just 5 months ago. I can’t thank Michael enough for his help, support, and follow up throughout this entire process.  He made a very difficult time much easier to get through.”

“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.”

“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

“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).”

“Thanks for being so helpful i am glad for your help  I hope I can send  some client  your way  thanks  so much”

“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. ”

“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!!”

“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.”

“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 to.my 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”

“I dealt with Michael Sininsky and his team at SJ Packman and Assoc., they were a pleasure to work with. They were recommended to me and I was not disappointed. He was very professional and helpful. He made my experience effortless. I was able to settle all of my debt and start over and rebuild my credit and prepare for my future. I would have never been able to do this without him. Michael is always available to his clients and you can tell he is dedicated to what he does. Thank you Michael and all that helped! I appreciate it!”

“My mother was in really bad dept and she owed lots of money to the credit cards. all her money was going to the credit cards and bills and medical bills with very little money left for food. She started  with a debt forgiving program . And it back fired big time and got her much more in debt with a court date and got no support at all and they never returned my phone calls, Then I contact sj packman to take over the case. within a couple off week’s they were able the settle the credit card the right way . They were very understanding and very help full and really new what they were talking about and worked very hard to settle my mothers account with out going to court with very little time to the court date. Only if i used sj packman the first time my mother would off saved a lot more money and would of saved a lot off stress. Im very happy with the service sj packman gave us they did a wonderful job.  SJ packman and Mike Sininsky thank you so much for such a great job we really appreciate it.”

“It was nothing but a great experience working with SJ Packman & Associates. Michael was extremely helpful from the very beginning of my process. He worked hard to continuously get me the best deals possible.  It was a pleasure to work with them and I would recommend them to anyone. Thank you for all of your help!”

“I feel a huge weight has been lifted from my shoulders, just getting this credit card debt under control and now debt free. You have been a tremendous help and I appreciate how easy this way for you to handle. I will definitely recommend The Law Offices of S.J. Packman all your services to others. Honest and Reliable”

SJ Packman is a wonderful firm to handle your bankruptcy needs. They are always there to answer any questions you may have and explained the process to me in way that I could understand. They are very personal and guide you through the process the entire way—from beginning to end. I was very nervous about this whole process, but my contact with this firm made it so much more bearable! Definitely consider this law firm for your legal needs!! Thanks for all your help, Michael!”

“Hi Mike, I appreciate your help in handling my case, for I tried to solve it by myself but it didn’t seem to work (I got scammed). You basically bought more time for me while I tried to sort and regain some financial order in my life. You were able to put me back on track without any severe legal consequences. You listened, negotiated, communicated, prepared,represented, and negotiated again and again for me. Oftentimes, we face difficult situations despite of our effort and those unavoidable situations (divorce, illness or accident) can overwhelm us. Settling debt was not really my first option, but it was the only option I could choose at the moment. I do have some mixed feelings for settling debt, but I know it was the right thing to do. Thank you again Mike for being patient and persistent. The lesson I learned from this experience was to ask for help. The sooner you reach out, the faster you can save yourself… But remember to ask help from the right company. Thanks!”

This is a review for Michael Sininsky at his previous firm.   We are now servicing the clients for that prior firm.

“I thought I was in over my head with credit card debt, after working with Michael he walked me through the debt consolidation process and made me feel comfortable about the process and answered all the questions and concerns I had. They helped me make my monthly payments affordable and helped me get out of debt in a couple of years. It was a pleasure working with SJ Packman and I would recommend them to anyone that needs financial help!”

This is a review for Michael Sininsky at his previous firm.   We are now servicing the clients for that prior firm.

“S.J. Packman & Associates LLC is a top rated company, Dealing with Michael was an excellent experience, He walked me through the process and assured me I would be better off, He was in constant communication throughout the entire process and then afterwards as well. I would highly recommend them to anyone looking to get their financial life back. Everything that I was told was going to happen did, no loop holes just plain honesty. They are definitely not like the other companies out their who take your money and leave you hanging. As I said before, if you want to get on track again, contact SJ Packman and ask for Michael, you won’t be sorry.”

This is a review for Michael Sininsky at his previous firm.   We are now servicing the clients for that prior firm.

“I was 9 months behind on my mortgage and was in jeopardy of going into foreclosure. I thought there was nowhere to turn, so I reached out to SJ Packman. Michael was excellent. Always available and knowledgeable of the situation. He immediately had his firm make contact with my lender. Within a few weeks we were working on a payment plan with the lender and two months after that, the loan modification was complete keeping my family under the roof I work so hard for. I would recommend this firm to anybody facing foreclosure and seeking a re-modification.”

This is a review for Michael Sininsky at his previous firm.   We are now servicing the clients for that prior firm.