Business Debt Solutions

Business Services

Forbearance Agreements

Debt Restructuring

Debt Settlement

Lawsuit Litigation

Business Bankruptcy


Business Debt Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Business Debt Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Let Us Help You!

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How We Can Help Your Business

If you are struggling to support the debt load of your business and need help, The Law Offices of Kenneth H Dramer PC offers professional business debt relief services that can take a great load off your shoulders. For businesses, we offer several different reorganization choices to help relieve debt, ranging from Business Debt Relief and Business Debt Restructuring to Business Debt Settlement, Lawsuit Defense, and Business BankruptcyChapter 7 & Chapter 11.

The Benefits of Business Debt Relief

If you are looking for help with business debts, our business debt relief attorneys offer multiple business debt solutions – not just one – to assist you in getting back on track.  Whether you own a large corporation of have a need for small business debt relief there is no job too big or too small for our different debt relief solutions to tackle.  The main benefits of our Business Debt Restructuring, Reduction and Relief Options are to manage your company’s finances and reduce your monthly payments and total amount you owe, allowing you to save business relationships and become more credit-worthy.  No matter what type of corporate debt or business debt your company may be struggling with, we offer multiple business debt relief options to help you break free from virtually any of your debt.

Types of Business Debt Relief That We Service

Each of our clients’ debt portfolio’s contain different types of creditor, advances, and vendor accounts that need to be evaluated individually. Although past performance does not dictate future results, we have been able to achieve outstanding results on company credit cards, merchant cash advances, leases, vendor lines of credit, accounts payable and much more. We can provide your business with relief if you owe money for any of the following:

  • Merchant Cash Advances
  • Mortgages for Business Owned Property
  • SBA Loans
  • Credit Cards
  • Loans & Credit Lines
  • Accounts Payable
  • Vendor Contracts & Debts
  • Business & Equipment Leases
  • Debts for Repossessed Equipment
  • Collection Agencies & Debt Purchasers
  • Collection Attorneys
  • Lawsuits
  • Judgments, Liens, & Levies
  • Back Taxes

It is impossible to list every type of debt, lease, contract, and circumstance that we are able to help with, if you or your business owes money for something we have not listed, or if you are ready to stop the financial bleeding, call now for a no obligation free consultation to see how we can help.  With our multiple fee options you may not have to even pay us a fee until we are successful so you have nothing to lose!


Our Business Debt Relief Services

We can deal with any of your business creditors or vendors for you if you are past due on your bills and even if you are still up to date on payments! We can arrange for you to continue receiving your products or services from vital vendors when they have denied you credit. If you are at a point where no further products or services are being granted even on a cash basis, we can negotiate on your behalf as quickly as possible to help get your business back on track so you can keep your business open and making money. We can negotiate directly with your company’s creditors or leaseholders on your behalf and can also deal with collection agencies and attorneys as well if that is your situation.

If your company is set up as a sole proprietorship, corporation, or anything in between – if your business is located in New York or anywhere else, then we offer the business debt relief choices that will help you get your business the help needed to keep it’s finances under control in order to improve cash flow.   While the different business debt relief options are not right for all, if you want to pay what you owe but are struggling to do so, one of the following solutions we offer may be ideal for you and your company:

Forbearance Agreements

If your business has Merchant Cash Advances, in addition to trying to lower your drafted payments, we may be able to get your lender to agree not taking any payments for a period of time to help your business get back on its feet.  This will help you free up your cash flow and will help you to keep your doors open – without taking on any additional advances.

Debt Restructuring

If your business has numerous vendor debts or leases, or, you have pledged your future receivables to obtain a merchant cash advance, we can help you lowers your daily or weekly payments if your revenues have gone down.  This restructuring service will help to free up your cash flow so your business can continue to survive.

Debt Settlement

This service will usually work with any type of obligation your business cannot pay.  If you have fallen behind on your payments, we can help negotiate the outstanding balances that you owe to lower amounts saving you thousands and helping to get you out of debt much quicker than you would by paying the full balances, interest, and fees.

Initiating Lawsuits

If you are either having a dispute with a vendor or creditor of yours; if you feel you have a loan that may be usurious or predatory; or if you have taken out a merchant cash advance with a less reputable funder, we can help dispute or litigate to help rid you of your existing obligations.

Defense of Lawsuits

If you or your business have been sued by a vendor, creditor, or merchant cash advance company, we can help defend you.  Our attorneys have a wealth of experience in dealing with business lawsuits.  Don’t get taken advantage of.  We can help protect your rights.



If you have exhausted all other options, we can help you or your business file for bankruptcy as a last resort to help with your obligations.  We offer Chapters 7,11 & 13, so we can assist with both your business bankruptcy filing and your personal bankruptcy filing in the event you have signed personal guarantees to your creditors.

Need honest professional advice for yourself or your business?
Need honest professional advice for yourself or your business?

View Results from Our Business Debt Relief 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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Without a Plan that Fits Your Budget, Your Debt Problems Will Only Get Worse


If you are starting to struggle with your finances or have already fallen behind, don’t risk the future of your company by delaying causing creditors to seize your assets and shut you down!  With any of our business debt relief options, you will have the ability to choose which of your accounts you want to have included and which you do not.  If there is a debt that you need to have negotiated, then we are the law firm that can do it for you!  By doing so, we can help your business to:


  • Free up cash flow
  • Improve profitability and put more money back into your pocket!
  • Resolve your debt discretely
  • Avoid the seizure of corporate assets
  • Avoid Bankruptcy (or if you want to, we can help you file bankruptcy too!)
  • Keep your doors open!


Whether you need business debt settlement, business credit counseling, business debt management business bankruptcy, one of our business debt relief services, or if you need us to collect for YOU – hire the debt lawyers and experts at Dramer Law to get the job done.

Did You Sell Your Future Receivables through a Merchant Cash Advance (MCA)?

Did You Take our a Small Business Administration (SBA) Loan?

Did You Give Up an Equity Stake to an Angel Investor, Venture Capital, or Private Equity Firm?

Benefits of Business Debt Relief

Expand Each Benefit to Read More

Consolidate multiple payments into one

By combining multiple creditor payments into just one, we’re able to make paying more convenient for you so it’s easier to keep track of all your bills.

Reduce your interest rates

With the help of lower interest rates, paying off your debts will take less time, cost you less money, and help you to free up cash flow to assist you in growing your business.

Reduce your monthly payments

We can help make your bills fit your budget.  By lowering your daily, weekly, or monthly payments to lower amounts, you will free up valuable cash flow to help meet your payroll and other necessary operating expenses.

Reduce the remaining number of payments on your lease agreements and loans

With certain services we offer, we can lower your interest rates, reduce your balances, and even wipe out your debts completely.  You’ll be able to get out of debt in a fraction of the time you would have on your own.

Reduce your principal balances so you literally pay back less than you owe!

With our debt settlement services, we can negotiate your delinquent principal account balances to lesser amounts than what you currently owe saving you thousands and getting you out of debt faster than any alternative debt relief option other than Chapter 7 bankruptcy.

Even completely wipe out certain debts so you won’t have to pay a dime!!!

With either our litigation or bankruptcy services, we may be able to completely relieve you of your businesses obligation to pay certain debts.

Help you get paid what YOU are owed!

If you’re like many of our other business clients, you may realize that one of the reasons you may be experiencing your personal or business financial hardship is because your business is owed money!  If all of your clients or customers paid you what you were owed on time, maybe you wouldn’t be struggling to pay your bills in the first place?  In situations like these, sometimes the best defense is to become offensive and collect what is owed.

We can help you if any of the following are true for your company:

  • Revenues and cash flow are down
  • You struggle paying your invoices
  • You use credit cards for business purchases
  • You barely pay yourself to keep the business afloat
  • You don’t qualify or don’t want a loan
  • You pledged future receivables for a Cash Advance
  • 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

Multiple Options & Experienced Staff.

We’re Confident We’ll Fit the Needs of Your Business.

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 any business 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 offer a money back guarantee on our business debt negotiation services so we either will 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, negotiators, and accountants, are all 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 your business 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!

Collection Assistance

Many of our business clients came to us struggling or falling behind as a result of Accounts Receivable Management issues due to their own customers or clients not paying what was owed!  If you are experiencing difficulty with your accounts receivable then you should collect what is owed to you!  We offer accounts receivable assistance and both pre-legal and legal debt collection services to our clients as an added service.  This is usually a big piece of the puzzle when helping a business get out of debt.  In this economy, bad debts are being written off and companies are shutting down and going bankrupt.  A dollar collected is a dollar earned and the longer you wait the less likely you are ever to collect! For more information on our collection services click here.

Consumer Assistance

We have noticed many times how a business owner’s financial problems can carry over to their personal lives.  For that reason, we offer consumer debt relief services in addition to our business services, so we can work both on your business and personal debts on a comprehensive level ensuring that we can help you attain financial freedom on any front you may be struggling on.

Other Services

Many times, when our business clients complete one of our debt relief programs, they still need assistance becoming more profitable.  While for some that means saving money on their group benefits and payroll, for others it means cutting costs on communication, networking & IT expenses.  Some don’t need help cutting costs but rather need help with advertising and sales management or need financing to tackle new ventures.  We have expanded our network of trusted companies after looking into the quality of services and reputation provided.  This network of companies offer many services designed to help businesses succeed or become more profitable.  We are happy to help our clients find these trusted companies as they can help to ensure that our clients do not become repeat clients.

More About The Business Debt Relief Process


At Dramer Law, the first step for in helping is a free consultation where your company’s portfolio of vendors and creditors are discussed along with cash flow needs and your available monthly budget.  Since we will be negotiating the terms of the current debts that you owe, neither your credit score nor collateral or lack of collateral, are important.

Once we evaluate your company’s needs we would determine which process or combination of processes would work best for your situation.  We discuss the benefits and drawbacks of each relief option in depth including both the good and the bad and any possible remedies that may be available to your creditors with certain choices. 

Read More About the Business Debt Relief Process by clicking here

Once retained, we immediately contact any vendor or creditor to let them know of our representation and request all collection calls and correspondence be directed towards our office rather than to yours. This way you’ll spend less time dealing with or hiding from anyone trying to collect from you and can get back to making money!

Once we take over the collection activity, we inform your creditors of your situation and, depending on which process we were retained for, will begin to negotiate on your behalf to either lower your rates, extend the terms of your current agreements, or reduce your debts down to a fraction of what you owe.

Sometimes we negotiate with one creditor at a time and other times we negotiate with multiple accounts at once. Sometimes we need to get right down to negotiations and while others we need to stall to buy time for you to accumulate funds to use for negotiations later on. Sometimes we are able to negotiate politely and others we need to play hardball.

We know which tactics work and which ones don’t. We know when to call, who to call, what to say, and more importantly what not to say…all in order to save your company as much money as possible!

All of our negotiation options, with the exception of Chapter 7 or 11 Bankruptcy, offer you complete control and the final say. Once we are satisfied with a potential negotiated offer with a creditor, merchant cash advance, vendor, leaseholder or any other type of creditor of yours, we contact you to discuss the terms and conditions.

Only if you want to accept the offer will all details be obtained in writing and reviewed by a lawyer to make sure that the terms of the release are drafted up properly. If so, it would be sent to you with step by step instructions to ensure it is paid off properly.

After an account is paid off, we obtain the necessary documents so you’ll have proof for your records and credit reporting purposes. If your company is struggling to pay the bills, put our debt lawyers to work for you. See if either debt consolidation, debt management, debt settlement, debt restructuring, or bankruptcy for your business, can benefit your needs.

Have You or Your Business been Sued?


If one or more legal actions have been taken against you or your business, we can usually negotiate a settlement without having you even step foot in a courtroom. If it is necessary to go to court, our debt attorneys can provide the debt collection lawsuit defense you will need to either buy time for you to gather funds to settle with or, through litigation and just cause, can result in the dismissal of a pending lawsuit.  If you or your company was sued a long time ago but didn’t do anything about it, there may now be one or more judgments obtained against. Whether there have been no post-judgment collection efforts or if the judgments are being enforced by way of lien, levy, or garnishment, we can usually still negotiate an agreement to save you money, or at the very least unfreeze your accounts to enable you to keep your doors open!

Our bankruptcy lawyers can even help your business file for either Chapter 7 or Chapter 11 bankruptcy to rid you of your debts if we try to negotiate and are unable to come to a resolution! Simply put, we do it all so one way or another we will be able to help you!

We Can Also Help You With Bankruptcy

We are happy to offer our clients the choice of Chapter 7 or Chapter 11 business bankruptcy as it is a great option for many businesses that need resolution of their past due debts. Most business owners usually don’t want go the bankruptcy route and look for alternatives to bankruptcy for many reasons. To learn more about Chapter 11 in-depth, or any of the other types of bankruptcy visit our Bankruptcy Help page.

Business owners don’t tend to like the loss of control associated with Chapter 11. They don’t want to hand over all discretionary funds to the court. They don’t want to deal with the possibility of ongoing court hearings that are associated with filing where monthly payments can go higher if their company starts to make more money. 

Read More about Bankruptcy and Your Business

Chapter 11 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 take many hours to prepare and any single creditor objection can cause recalculation hours. This all adds up to thousands in legal and court costs.

Bankruptcy becomes public record and can also stay on credit reports for up ten years. Many business owners want to avoid both of these as they can cause a negative image for a company that can lead to the avoidance of new vendors or creditors.

Employees often find out about their own company’s bankruptcy filing, causing concerns and rumors to circulate, creating a ripple effect possibly resulting in the loss of critical employees who are critical to a business’ success.

These are some of the reasons that companies wish to avoid Chapter 11 Bankruptcy and would rather work out flexible terms with their creditors instead. The costs of other debt relief options for your business are considerably less and with our law firm’s no fee guarantee, we do not charge you on any account if we do not save you money. However bankruptcy may still be the right option for your business!

Dramer Law is based in the New York City area and have expanded our practice with attorneys throughout the country. Our staff consists of some of the most experienced debt lawyers, business debt relief professionals, bankruptcy lawyers, and other debt specialists all dedicated to helping you!   Call today for your free consultation. 


Debt Collection for Business Debt Relief

If you’re like many of our other business clients and take the time to think about it, you may realize that one of the reasons you’re experiencing this financial hardship is your business is owed money!  If all of your clients or customers paid you what you were owed, then maybe you wouldn’t be struggling to pay your bills in the first place.  In situations like this, sometimes the best defense for a business in debt is to become offensive and collect what you are owed.

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.