Kenneth H. Dramer Esq
Practicing Law since 1993
Our Debt Relief Practice Areas
There is no set path or direction one must take in order to get out of debt. Each person’s debt concerns represent a unique situation that demands focused individualized attention. Whether you require help with your debts, help to avoid foreclosure, help with bankruptcy or any other debt-related problem, Dramer Law and our debt lawyers and certified debt specialists take the time to explain to you the important details of your situation and structure a course of action that will be most beneficial for you.
Consumer Debt Settlement
Experiencing a financial hardship and past due on your creditor payments? Our No Upfront Fee Debt Settlement service can reduce your outstanding balances to help get you out of debt in as quick as 1 to 60 months! Rather than lower your interest rates, we’ll actually reduce your total debt.
Business Debt Relief
With options from Debt Restructuring, Debt Settlement, Lawsuit Defense, and Bankruptcy. We offer every Debt Relief solution available to help your business in its time of need. With the lowest fees – there is no competition – as we help ensure that you get out of debt, not accumulate more!
Debt Collection Lawsuit Defense
Recently sued, sued in the past, or facing a bank levy, property lien, or wage garnishment as the result of an old judgment? We offer multiple options to help including lawsuit settlements & payment plans, defense litigation, vacating default judgments, and bankruptcy.
Offering various options to help you either stay in your home or, to exit your home as painlessly as possible. We offer Loan Modifications, Principal Reduction, Short Sale, and Deed in Lieu of Foreclosure negotiations. Our Law Firm has plenty of tools to help fix your home financial problems.
Predatory Lending Protection
The banks and brokers committed many fraudulent acts that when originating and transferring loans from one party to the next. We can hold them accountable and help you defend your home and can even sue your lender for you if you have been a victim of predatory lending.
If you are already facing foreclosure, one of our foreclosure defense lawyers can help you avoid foreclosure starting today. Our foreclosure defense attorneys can not only buy you time with the matter but can assist you to fight back against your lender to help you save your home.
Fair Debt Collection Violation Lawsuits
The Fair Debt Collection Practices Act (FDCPA) governs how third-party debt collectors are allowed to communicate with you. When these debt collectors violate this law as they often do, we can make them pay – literally! You can get paid up to $1,000 and if we don’t win – we don’t charge you.
Student Loan Relief
If your grace period just ended, have just fallen behind on your loan payments, or are in default and dealing with collectors or lawsuits – we can help! WE OFFER IT ALL: Consolidation, Deferment, Forbearance, Debt Settlement, Forgiveness, Cancellation, Discharge, Bankruptcy.
Small Business Debt Collection
Whether or not you need business debt relief, If your business isn’t being paid – we help collect. We offer Accounts Receivable Management, Pre-Lawsuit Debt Collection, Collection Lawsuits, & Post Judgment Enforcement. You worked hard for your money – It’s time to get paid for it!
If you’re on time with your debt payments, have good enough credit or, assets to use as collateral, you may be able to combine all your debts into one new loan at a lower interest rate. Through our network of lenders, we can try to help if you want to try to borrow your way out of debt.
Debt Management & Counseling
Experiencing a financial hardship and haven’t fallen too far behind on your payments? A Debt Management Plan, also known as Consumer Credit Counseling, can help by combining all your debts into one monthly payment at lower interest rates to have you out of debt in 4 to 7 years.
Bankruptcy is a last resort to help save you or your business from drowning in debt. For individuals, we offer Chapter 7 and Chapter 13 filings, and for businesses, we offer Chapter 7 and Chapter 11. We can help determine if you’re qualified and can get you the fresh start you’re looking for.
Read Real Client Testimonials
The court proceedings were annulled, and agreeable working terms were consolidated with my creditors
I wouldn’t go anywhere else.
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
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
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
Not only did you get me out of debt but you gave me a freedom that can’t be described.
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 am very grateful….highly recommended
Very extremely effective in working with me to reduce my consumer debt
Excellent, excellent service. Highly recommended.
Please accept our gratitude for all your help
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
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
Thank you from the bottom of our hearts for all of your efforts in getting us through this!
“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 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”, NY 12-15-14
We are so pleased with the results.I know we could not have been successful without their help
Let Us Help You!
Whether you are on time and just realizing you may soon fall behind; are years behind with judgments liens and garnished wages, or are anywhere in between – our debt lawyers are here for you! Whether you need help with credit cards, medical bills and collections accounts; help with a lawsuit; even help to avoid foreclosure of your home – we’ve got you covered! Whether you may be are a consumer looking for help for your own personal matter; are looking as you’re concerned for a loved one experiencing financial hardship; even a business owner in need of business debt relief – we have the choices for you! No single debt relief option is right for everyone so after you are done doing your homework, our debt lawyers will be ready to help you take the next step.
Our debt lawyers have the knowledge and the experience accumulated of years of practicing debt relief law.
Need honest, professional advice for yourself or your business?
View Real Results from Our Various Services.
All settlements are represented as a percentage of the debt paid back. For example, a 20% settlement means that 20% of the debt is paid back and 80% is forgiven.