Consumer Debt Relief Solutions

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Consumer Services

Debt Consolidation

Debt Management

Debt Settlement



How We Can Help You Get Out of Debt

If you are an individual struggling with any type of debt, we offer various debt relief services, not just one.  No one solution is right for everyone as there would be no need for any other service if there were.  Our services will help anyone having difficulties with debt.  Whether you are on time and don’t want to hurt your credit or already years behind facing judgments and wage garnishments – we can help!  Through our different options, we can provide you or your loved ones relief from the constant stress of being in too much debt.
When debt is the problem – we have the answers.  Practicing law since 1993, Kenneth Dramer and members of his staff have helped of thousands of people with their mortgages, debts, business problems, and other financial issues.  When you choose our law firm to help you deal with your debt, our debt relief representatives will evaluate your current financial situation.   They’ll work within your budget to help create an individualized plan for your needs.  We will then help implement the strategies, and the result will be you – debt free and stress-free – the way life should be!

Consumer Debt Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Consumer Debt Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Types of Consumer Debt Relief Services We Offer

Each of our clients’ debt portfolio’s contain different types of creditor, advances, and other accounts that need to be evaluated individually. Although past performance does not dictate future results, we have been able to achieve outstanding results since our inception.  We can provide you with relief with the following services:


  • Debt Consolidation

  • Debt Management

  • Debt Validation

  • Debt Settlement

  • Budget Counseling

  • Bankruptcy




Services We Offer For Unsecured Debt

No matter the option you choose, our law firm has the Consumer Debt Relief options to help pay off your debt in a much timelier manner and will help with budget counseling to ensure when we get you out of debt, that you stay out of debt!

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

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.


Debt Validation

Regardless of whether or not you actually owe money, you should never pay a third-party debt collector until they prove your debt is valid. Proving valid doesn’t mean a simple letter stating they were assigned your account.  If the third-party collector is not able to show they have the legal right to collect from you, then you do not have to pay them!

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.



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.

View Real Results from Our Various Consumer Debt Relief Services.


All letters 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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Is Your Debt Obligation Secured or Unsecured?

To figure out which consumer debt relief option is best for you, we must first figure out what type of debt or obligation it is that you are having difficulties with as there are different options available for each.

A Secured debt or obligation is when you pledge an asset or multiple assets in order to get take out the loan or other debt.  Sometimes the asset is not a physical asset but can be your future income or money in your bank account.  The most common types or secured loans are mortgages, car loans, and payday loans.

An Unsecured debt or obligation one you obtained without having to put up any assets as collateral. It is called an unsecured because the obligation isn’t backed or secured by any assets.

Many obligations can start off as secured and become unsecured.  This is the case when the asset backing the debt or obligation is no longer in your possession or it loses value.  Even though the asset backing the obligation is no longer yours or no longer has value, the obligation itself remains.  The amount owed is called the “deficiency balance” or the “short amount” depending on the obligation being spoken of.


Below are Some Examples of Secured and Unsecured Debts

Secured Debts

  • Payday Loans
  • Casino Markers
  • Vehicle Loans
  • Timeshare Loans
  • Mortgage Loans

Unsecured Debt

  • Credit Cards
  • Gas Cards
  • Department Store Cards
  • Bank Loans
  • Bank Lines of Credit
  • Cash Advances
  • Medical & Hospital Bills
  • Most Bills in Collections

Secured to Unsecured

  • Past Due utility bills after your service has been terminated
  • Vehicle loans and leases after your vehicle has been repossessed
  • Timeshares obligations after your timeshare has been surrendered
  • Your home loan if you have already lost the property in foreclosure
  • Home loans if your home is worth less than what’s owed on your mortgage
  • Payday loans if you’ve lost your job
  • Taxi Medallions if you are no longer operating
  • Casino Markers if you have no money in your bank account

Our Representatives are Counselors Not Sales Representatives


Don’t let bad advice you may have heard from someone outside the industry or from a less than scrupulous company steer you wrong.  Most other companies want nothing more than to make a quick buck by taking advantage of those in need.  Their job is contingent upon selling their product and earning a commission for it – a sure way to make sure their products are misrepresented to you as their motivation is to sell you something.  These same types of companies typically only offer one service, not multiple services like our firm, so no matter what your situation is, their objective is to try to sell you their one service, whether it’s right for you and your situation or not.

On the contrary, we are a law firm and pay our debt consultants or client service representatives a salary not a commission.  Their job is not to sell you something as they are not paid based on how many clients the can enroll or anything of the sort – we do frequent compliance check-ups on each representative to make certain no will pressure you.

All of our representatives are well educated and more importantly are trained to be educators – as their job is to educate youTo make sure YOU clearly understand all the ins and outs of all the services we offer.  That way YOU are able to make an educated decision.  We are a full disclosure law firm so we do our best to ensure that when retained, anything that can happen along the way will have already been disclosed and explained to you.  When we advise of the different choices we are sure to explain both the pros and the cons of each option.

Our Client Service Representatives Deal on a One-on-One Basis


This means you will speak to the same person each time, should you need to contact us.  The representative that explains everything to you is the one that you will remain in contact with and will be up to date on your case.  This further ensures that they will do their best to tell you everything possible in store ahead in order to manage your expectations of whatever process it is that you choose to retain us for as you will build a relationship over time with the same person.  Our employee retention ratio is near 100% so the likelihood of your personal representative even leaving us is slim.  We have happy employees here and happy employees make for happy clients!

It is for these reasons among others we urge you to call for a free consultation.  It will not only save you the time of reading but also potentially from misinterpreting any of the information on our site.  If you are unable to call now and want to continue trying to figure this out on your own, please by all means, continue reading further.

Here’s How We Help


Our staff is trained to ask the right questions to learn your whole situation.  Any member of our law firm that will consult with our clients is well qualified with a MINIMUM OF 10 YEARS EXPERIENCE in dealing with debt negotiations!

Before making any recommendation a representative will analyze your current situation including your assets and liabilities as well as your current cash flow. Your representative will then customize a relief solution to your individual needs.


Once retained, we immediately send a notice of limited power of attorney to any creditor or third party that is currently trying to collect the money you owe.  This requests all calls and notices be directed to our law firm enabling us to deal with your creditors and their collection activity for you.  Doing so helps curb the collection efforts towards you or your business allowing us to do what we do best in dealing with the collectors thus saving you time and allowing you to do what you do best.

We then work on either lowering your payments, lowering your rates, extending the terms of your payback, trying to reduce the amount of the outstanding principal that you owe, or helping you to file for bankruptcy.


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.

The Law Offices of Kenneth H. Dramer PC helps individuals and businesses that are experiencing financial difficulties.  We have offices to serve New York City and Long Island as well as Upstate NY in addition to Of Counsel attorneys in states throughout the country so WE CAN USUALLY HELP NO MATTER YOUR LOCATION!  If you or your business have a debt obligation that you cannot afford, call today so one of the most experienced debt lawyers, debt relief professionals, bankruptcy lawyers, and other debt specialists can help you!  There is absolutely no obligation, so don’t hesitate to give us a call or visit our Contact Us page to learn how you can get out of debt and take control of your financial future.

Without a plan that fits your budget, financial problems can spiral out of control and you can fall further into debt.

If you are starting to struggle with your finances or have already fallen behind, don’t risk your financial future by delaying causing creditors to sue you or seize your assets.  With most of our debt relief options, you will have the ability to choose which of your accounts you want to have included and which you do not.

Whether your situation calls for debt consolidation, debt management, debt settlement, or bankruptcy, when you hire the debt lawyers and experts at Dramer Law – we get the job done!

Benefits of Debt Relief

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.