Services
Kenneth H. Dramer Esq
Practicing Law since 1993
Our Practice Areas
There is no set path or direction one must take. Each person’s 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.
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.
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.
Timeshare Cancellation
If you bought a timeshare based on a salesperson’s lies and found nothing is working as you were told it would, or, if you can no longer afford to pay for your timeshare and have tried to sell it unsuccessfully, we can help. We cancel timeshares and can relieve you of your obligations.
Avoid Foreclosure
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.
Foreclosure Defense
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!
Debt Consolidation
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
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.
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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.
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