SBA Debt Relief Options


 Deferment, Repayment, Settlement, Lawsuit Defense Litigation, & Bankruptcy

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Forbearance Agreements

Debt Restructuring

Debt Settlement

Lawsuit Litigation

Business Bankruptcy

Debt Relief Attorneys

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Debt Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Let Us Help You!

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Attorneys for SBA Loan Debt Relief

 

If you have taken out a Small Business Administration (SBA) loan and are having difficulty making your payments, our Business Debt Relief Attorneys offer multiple options to help you.  Whether issues are on the horizon or you are already facing bank account levies, asset liens, or even wage garnishments – our Debt Lawyers and Certified Debt Arbitrators will be able to guide you through all the choices and advise how to manage your SBA loans and other business debts in the most cost-effective manner.

Our Debt Attorneys and staff are well versed and experienced in dealing with SBA loans.  If a third-party debt collector is handling your debt, we are able to help protect you from their abusive practices.  Our attorneys know the laws in regards to how they can collect and what they can and cannot do.  We will help ensure your rights are protected from harassment when dealing with those trying to bleed you dry.

We can help with the following types of SBA loans:

 

  • 7(a) General Small Business Loans – the most common but also includes special types of loans such as CAPLines, SBA Export Loans, Advantage Loans, Rural Business Loans, & Community Advantage Loans.
  • Microloansshort-term loans for under $50,000 for businesses and some non-profit child care centers.
  • CDC/504 Real Estate & Equipment Loans – for financing higher cost assets
  • Disaster Loans – including Home and Personal Property Loans, Business Physical Disaster Loans, Economic Injury Disaster Loans, or Military Reservists Economic Injury Loans.

We Can Deal with Whoever is Trying to Collect from You Including:

 

  • Your Original SBA Lender
  • The US Department of Treasury Bureau of Fiscal Service (BFS)
  • The BFS Debt Management Services department
  • The US Department of Justice
  • The US Attorney’s Office

SBA Loans are Federally Guaranteed

 

The federal government backs your SBA loan, but that does not mean if you are in default that the loan will be paid off for you by the government thus relinquishing you of your responsibility to pay.  If you default the federal government will pay off the original lender, then you owe the money to the federal government instead.  In other words – YOUR LENDER IS PROTECTED, BUT YOU ARE NOT.

 

Personally Guaranteed SBA Loans

 

If there is a personal guarantee, then your liability spreads beyond your business.  Your personal wages or assets may also be at risk.  The SBA can attach more forms of income than other types of creditors you may owe can.  A judgment creditor can put a lien on your property, a levy on your bank account, or garnish your salary and the SBA can do the same.  In addition, through the Treasury Offset Program, the SBA has the ability to:

 

  • Garnish payments to your business from customers, vendors, & contractors
  • Garnish Social Security benefit payments
  • Garnish tax refund checks
  • Garnish federal employee benefits & retirement payments
  • Garnish military benefits & retirement payments

The Statute of Limitations for SBA Loans

 

Loans from the SBA do not fall under the Statute of Limitations (SOL) of the state where the loan was originated.  Unless you are sued, SBA loans are allowed to collect for 6 years from the date of your last payment made no matter what your state of residence SOL laws allows for. Specific other nuances also can extend the SOL of an SBA loan.  If your loan is backed by real property, the SBA can sue you at any point in time.  If your loan is in default, the SBA may send it to the U.S. Treasury for collection where they may attempt to collect beyond the SOL of 6 years.

Debt Relief Alternatives for Small Business Administration Loans

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 of Principal and Interest Payments

 

A deferment is a way to postpone your scheduled loan payments for a specified period of time – which can vary from case to case.  The SBA Loan Deferment option is for business owners that are experiencing short-term issues with cash flow.  You will need to be able to show that your business will need a deferment but also that your company is able to repay the amount owed.  Keep in mind if you wish to defer your payments unless agreed upon, the interest will continue to accrue on top of the outstanding balance.

Once a bank issues an SBA loan, they are then able to sell or assign the loan to a different lender or investor in the secondary market.  If your loan has been sold, it does not change the payment terms you initially agreed upon, but it does change the type of deferment agreement we are able to negotiate for you due to the fact that there are different deferment guidelines for different loans.  Once your deferment period is over you will be expected to resume payments.

If your loan was already in default when a deferment option was approved and you have not made payments since the deferment period has expired thus putting the loan back into default again, there may be better options for you if you are now able to make payments.  If you still want to defer the loan payments, our SBA attorneys can help negotiate on your behalf to achieve the best possible deal for your given situation.

CALL NOW for a FREE CONSULTATION.

SBA Repayment Plans

 

If you have fallen behind on payments but now are able to resume making payments again our Business Debt Lawyers may be able to help get you back on track by lowering your monthly payments and saving you thousands of dollars.  A Repayment plan may be an excellent option for you if you are experiencing a long-term financial problem.  We have successfully negotiated many repayment plans for business owners who had fallen behind. 

We will reach out to the current servicing agency on your behalf and take over the phone calls and notices you may be receiving.  Our attorneys and debt arbitrators then negotiate in an attempt to wipe out any fees and extra charges that were added to your balances due to missing payments in the past.  Our debt law firm will help to ensure a payment plan that fits within your monthly budget so you can keep as much as the cash flow coming into your business as opposed to having it go towards high payments. 

When we negotiate our payment plans, we will make sure you are informed of all offers, and we never agree to anything without your consent.  You will have the final say as to whether or not you want to accept an arrangement

Repayment plans are negotiated on a case by case basis so to find out more about a repayment plan or other options for your business, CALL NOW for a FREE CONSULTATION.

Debt Settlement - Offer in Compromise

If you have fallen behind and now have access to a portion of the amount you owe on an SBA loan, we may be able to settle the loan for a lesser amount than your current outstanding balance – saving you thousands of dollars in the process.  All offer and compromise negotiations are handled on a case by case basis but if your business has fallen behind you may be a candidate and the earlier you start the process – the better!  Time is your enemy when it comes to the SBA.  Once you are in default on your loan, the interest and fees start to accrue.  If your account has been turned over to a third-party collection agency as a result of non-payment, then the collection fees can be added to the balance.  If the collection agency or the Treasury Offset department is unsuccessful in collecting what you owe, then the US Treasury can then and add up to a 28% penalty fee on top of what you owe.  The costs will add up rather quickly so the quicker have us arrange for a settlement payoff, the fewer fees that will accrue thereby saving you from the power of compounding interest working against you.

By settling your debt with the SBA, we can help you to:

  • Create a plan to repay your debt within your own budget
  • Flexible payment arrangements
  • Save thousands off the balance owed
  • Save thousands in potential future interest
  • Become free of your SBA debt in a fraction of the time it would have otherwise taken
  • Avoid bankruptcy

 

SBA Lawsuit Defense Litigation

If you have received a summons and complaint from the US District Attorney’s Office, we can defend your business and personal rights.   This would be a great option if you fall into any of the following scenarios:

  • You need to buy some time to figure out what your best resolution is;
  • You need time to arrange for funds;
  • You are contemplating bankruptcy;
  • You are closing your business;
  • You have a legitimate defense as to why you do not owe the SBA the amount claimed or at all.

Unless the alleged amount being demanded is inaccurate, fraudulent, or predatory, the likelihood of successfully avoiding a judgment being entered as a result of strictly legal defense is unlikely however you should NEVER let a summons and complaint go unanswered!   Defense litigation for a lawsuit from the SBA should not be looked at as a strategy to win or beat the case but rather an approach to delay a judgment from being entered so you can resolve the matter.

If a lawsuit has been filed against you and you do not have an answer filed with the court, then you will lose your case by default and a judgment would be entered against you.  DO NOT LET THIS HAPPEN TO YOU.  Our SBA defense attorneys can request time extensions, file an answer on your behalf, request discovery demands be met, request numerous adjournments, and provide responses for any allegations brought against you. We have the experience and the know-how so one way or another we’ll be able to help you deal with this situation. 

 

i

Bankruptcy

 

SBA loans 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.  Many SBA loans 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 loan will be discharged; however, the liability for the business remains.  The SBA can enforce its claim on any collateral pledged to secure the loan – through seizure or repossession of business assets.  If a business bankruptcy is filed, it needs to be considered if your business can still function and operate on a daily basis.  Among many other factors to be discussed range anywhere from:

  • What type of business you operate
  • How the business entity was set up
  • The assets of the business
  • The accounts payable of the business
  • The amount owed to the SBA
  • Other liabilities owed beyond the SBA
  • Past, Current, & Future  Cash Flow of the business

It is important to note as well that if you file for Bankruptcy and discharge your obligation to pay your SBA loan, you most likely will NOT be approved for a future SBA loan if you want to apply again.  Depending on the amount you owe, this may be a small price to pay to correct your current situation.

In addition to SBA Loan Negotiations, call to learn more about the other types of debts we can help your business with:

  • Credit Cards
  • Loans and Lines of Credit
  • Office and Equipment Leases
  • Vendor Debts
  • Repossessions
  • Merchant Cash Advances

 

  • Lawsuits
  • Judgments
  • Bank Levies
  • Property Liens
  • Taxes
  • Department of Labor
  • We can even help collect what you are owed from your own customers, which may be one of the causes of your company’s struggle!
  • We offer consumer options to help with debt, student loans, mortgages, and tax relief services if your business financial troubles have spread to your personal finances as well.

We offer MANY Different Business Debt Relief Services as Each of Our Clients’ Needs are Different.  No Matter Your Situation…WE CAN HELP!

 

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!

R
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 www.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.”  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

 

Recommended

“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

“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

 

Getting Started is Easy…

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Call Now for Your Free Consultation

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.

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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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Business Hours

 
Creditor Negotiations
Mon - Fri: 9:00am - 6:00pm EST
 
Client Service & New Consultations
Mon - Fri: 9:00am - 8:00pm EST
 
 
Closed on Weekends

 

 

Contact Us

 
Bill Collectors 1-888-314-1723 ext 103
 
Existing Clients 1-888-314-1723
 
For a Free Consultation Click Below
*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.