Debt Relief Options

Debt Settlement

Debt Reduction

Debt Negotiation

Debt Relief Services

Debt Consolidation

Debt Management

Debt Settlement

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Debt Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Debt Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Let Us Help You!

Get Your Free Consultation


Lawyers & Certified Debt Settlement Specialists

Settle Your Debts for Less or Don’t Pay a Fee

How Can I Get Out of Debt if I want to Avoid Bankruptcy?

If you can no longer afford your monthly minimum payments and do not want to file for bankruptcy, debt settlement may be right for you. Debt Settlement from The Law Offices of Kenneth H Dramer, PC can help you pay off your overwhelming debt, especially if most of your debt is unsecured. Our professional debt attorneys in New York and around the U.S. will negotiate the repayment of your unsecured debts for significantly less than the total amount that you owe. By using this process, your actual balances are negotiated to lower amounts and not just your interest rates like with most other options. Typically, debt settlements can lower the amount of your debt to a fraction of what you owe.

Get Out of Debt with an Experienced Debt Settlement Law Firm

If you have fallen behind on your unsecured creditor payments, Debt settlement is one of the least expensive methods to get out of debt while still avoiding the more adverse effects of bankruptcy.  With debt settlement, your finances remain your private business and do not become public knowledge.

Most other options to get out of debt, such as debt consolidation, debt management programs, and even Chapter 13 bankruptcy can require consistent monthly payments.  If you miss a payment, it can lead to your expulsion from the program. One of the most important benefits of debt settlement is that payments can be flexible, as it is meant for people that cannot afford their current monthly creditor payments. 

Do Not Delay – Get Debt Help Today!

Do Not Delay

Get Debt Help Today!

If you have fallen behind on your monthly payments and are seeking help –  do not waste time.  The longer you wait for help, the harder it will be to save yourself money and get out of debt.  The first step is to call for your FREE CONSULTATION.

Benefits of Hiring a Debt Settlement Law Firm instead of a Debt Settlement Company

Many debt settlement companies and other settlement law firms want to hold your money in a trust account, escrow account, or somewhere else they will have access to or control over your money.  They do this to control your funds, thus, controlling you as their client.  These are the same companies that typically charge upfront fees and do not work on an incentive basis when it comes to performing and getting the best deal for their clients.  Since they’re holding your money and charging you up front, they will take any deal they can get just to have one less account to negotiate.  When they do a lousy job, they make it hard to get all of your money back if any at all.  Usually, by the time their clients find out just how poorly arranged the settlements were, the debt settlement companies have already collected their fees, and if they are terminated, it only means one less client for them have to work on at that point.

Don’t get scammed by a debt settlement companyWe’re Better – and we’ll let our performance prove it!


No Upfront Fees

We do NOT charge upfront fees – we negotiate your debt first.  We know our abilities to get the job done and the rates we can attain and are happy to put our best foot forward and achieve the settlements before charging a fee to a client!  Our fees are incentivized and billed as a percentage of what we save you – NOT a percentage of your total debt load – which ensures we are always trying to save you as much money as possible.


You Control Your Money

We do NOT hold your money in a trust or escrow account.  It is your money so you will maintain control of it.  We never accept a settlement offer on your behalf without first discussing the terms with you.  All our negotiations will be affordable within your budget, but you will have the final say as to whether or not you want to accept a negotiated offer.

No Creditor Affiliation

Our Law Firm has no affiliation with any creditors, banks or other lending institutions.  We are not in business to charge our clients interest or to keep you paying another company interest. A Debt Settlement Lawyer from our firm will work only for the benefit of our clients and not for the creditors



Debt Collection Protection

There are many companies out there that can assist you in settling your debts, but if you use a debt settlement lawyer to help you instead of just a regular debt settlement company, you will be given specific rights under the Fair Debt Collection Practices Act that you only have when working with lawyers.


Negotiation of Other Debts

As lawyers, we can negotiate settlements on types of debts that other companies cannot such as credit unions, cash advances, medical bills, payday loans, casino markers, timeshare loans, underwater mortgages, repossessed vehicle balances, private student loans in default, and much more!


Help with Lawsuits

We can deal with lawsuits that may arise during the debt settlement process.  We offer debt collection lawsuit defense.  When sued with a non-attorney debt settlement provider, you will be without representation leading to potential default judgments, bank levies, property liens, and wage garnishments.


Bankruptcy as a Last Resort

We offer Bankruptcy as a last resort, and your creditors know that which can not only help with your negotiations, but if you need to file bankruptcy, we can for you.  If you planned on settling but do not have the funds you planned on, your debt settlement lawyer could offer bankruptcy as a choice.  Debt settlement companies can’t advise you about bankruptcy let alone file a case, as they can’t give legal advice if they aren’t a law firm.


Lawyers are Subject to Bar Standards

Debt Settlement Lawyers are held to higher standards by the bar committee.  A non-law firm debt settlement company has no rules to which to be held accountable.  Not that any of our debt lawyers would ever violate their code of ethics, but there is no code of ethics for non-attorney settlement companies.

Types of Debt Our Debt Settlement Lawyers Can Settle

  • Credit Cards
  • Store Cards & Gas Cards
  • Unsecured Bank Loans & Lines of Credit
  • Medical Bills
  • Collections Accounts
  • Lawsuits, Judgments, Liens, Levies, & Garnishments
  • Finance Company Accounts
  • Casino Markers
  • Back Taxes
  • Default Private Student Loans
  • Payday Loans
  • Cash Advances
  • Underwater Mortgages
  • Loans on foreclosed property
  • Timeshare Loans
  • Repossessed Vehicle Loans including Motorcycles, RVs, Boats, etc.

Business Debts Including:

  • Merchant Cash Advances
  • Credit Cards
  • SBA Loans
  • Vendor Payments
  • Accounts Payable
Through our network of Of Counsel Attorneys, we can help in many states throughout the country

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!

Let Us Help You!

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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How Dramer Law Handles Our Debt Relief Cases

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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.

Why Choose Dramer Law for Your 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!

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