Debt Relief Options
Debt Settlement
Debt Reduction
Debt Negotiation
Debt Relief Services
Debt Consolidation
Debt Management
Debt Settlement
Debt Validation
Bankruptcy
Debt Relief Attorneys
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Debt Relief Attorneys
Learn about your options.
See what you can save.
Contact Us Today.
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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 company! We’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
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
“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. 12-22-2017I wouldn’t go anywhere else.
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
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
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
Not only did you get me out of debt but you gave me a freedom that can’t be described.
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 am very grateful….highly recommended
Very extremely effective in working with me to reduce my consumer debt
Excellent, excellent service. Highly recommended.
Please accept our gratitude for all your help
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
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
Thank you from the bottom of our hearts for all of your efforts in getting us through this!
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
Debt Settlement – Frequently Asked Questions
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Q: What’s the difference between Debt Consolidation and Debt Settlement?
Debt consolidation can be seen in many different forms, but generally speaking, any time you borrow money from one lender to pay off multiple other lenders, that is a form of debt consolidation. With debt consolidation, you are combining all of your smaller debts into one larger debt, and attempting to get a better interest rate in the process. A prime candidate for debt consolidation is someone who has good credit, has been consistently paying their bills on time and will be able to consistently pay bills on time going forward.
Debt settlement is a process that can help you if you can no longer afford your monthly minimum payments and do not want to file for bankruptcy. Debt settlements can help you pay off your overwhelming debt, especially if most of your debt is unsecured. During the settlement process, we will negotiate the repayment of your unsecured debts for significantly less than the full amount that you owe. By using the debt settlement 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.
A debt consolidation loan may lower your average interest rate, but will not reduce the principal amount that you owe. With a lower interest rate, your debt should be paid off quicker, but you will still pay interest on top of the principle that you owe. When you settle your debt, you will lower your actual account balances, not just your interest rates, therefore, making it much faster for you to pay off your debts.
If you have bad credit or too much debt you may not qualify for a debt consolidation loan. With a debt settlement loan, there are no credit checks, and the requirements are much less stringent since the process does not involve lending any money.
A debt consolidation loan will not have a negative effect on your credit. A debt settlement will have a negative effect on your credit report.
Debt consolidation does not get rid of your debt, but rather, it transfers your debt from one creditor to another. This does not solve your problem. You cannot borrow your way out of debt. The debt settlement process will help you pay off or settle your debt in approximately 3 years or less.
Q: What’s the difference between Debt Settlement and Debt Management a.k.a. Consumer Credit Counseling (CCC)?
The goal of debt settlement is to reduce the amount of total debt itself, while the goal of CCC is to lower interest rates on your relevant accounts.
Debt Settlement provides much more flexibility than CCC because the monthly payment contributions are flexible and left up to the client. In the case of CCC, the terms and payments are typically higher and extremely rigid. If a client is too far behind on payments to one of their creditors, that account may be rejected by CCC, but can still be enrolled into the Debt Settlement process.
With debt settlement, you can be out of debt in a term of only 1-3 years, and it can end up costing you much less money than CCC. With CCC it can take anywhere from 4-9 years to be out of debt because you have to pay the full amount of debt that you owe plus interest.
Debt Settlement Specialists do not receive compensation from the creditors that they deal with. Consumer Credit Counselors make most of their money from your creditors as a percentage (typically 7-15%) of what their clients pay each month into the program. A consumer credit counselor’s incentive is to keep you paying so they can keep collecting fees. Our specialists actually get bonuses based on how much money they are able to save for our clients. Our only interest is helping you, not your creditors.
Q: What is the difference between unsecured and secured debt?
The difference between a secured and an unsecured debt is that an unsecured debt is a debt that is not backed by a tangible asset and a secured debt is a debt where the debtor has given up the right to some type of asset/collateral in order to receive a loan.
In the case of an unsecured debt, in order to obtain a loan, the borrower does not have to put up any collateral. The most common types of unsecured debts are credit cards, department store cards, gas cards, medical bills, utility bills, and personal or signature loans. Since there is no asset backing the loan, should you fail to make timely payments on an unsecured debt, there is nothing for the creditor to take back.
In the case of a secured debt, when a borrower fails to make timely payments, the creditor is entitled to repossess the asset that is securing the loan and sell it. If a creditor sells the asset they have reposed, but the entire debt has still not been paid, the borrower can still be liable for the unpaid balance. Therefore, when the property that is securing the debt has already been repossessed and sold by the creditor, it is possible for a secured debt to become an unsecured debt. The two most common types of secured debts are home loans and car loans.
We can help you whether you are having trouble with a secured or an unsecured debt. Our counselors will help you decide what process will be right for you based on the type of debt that you have and your specific financial situation.
Q: What type of debt can you handle? What services can you help me with?
The Law Offices of Kenneth H Dramer, PC offers a variety of different services in order to ensure that no matter what your individual needs or financial hardships are that we will be able to provide the right service to you. We have processes to help you no matter what type of debt you are in, whether it be secured or unsecured debt. We are an industry leader in all forms of legal debt negotiation, and along with our affiliates we can help you with any of the following types of debt:
- Credit Cards
- Department Store Cards
- Gas Cards
- Medical Bills
- Collections Accounts
- Unsecured Loans
- Unsecured Lines of Credit
- Repossessed Vehicle Loans
- Fair Debt Collection Practices Act Violations
- Home Loans
- Home Foreclosures
- Tax Debts
- Judgment Accounts
- Creditor Harassment
- Repossessed Vehicle Loans
- Defense Litigation for Creditor Lawsuits
No matter how difficult your financial predicament is, we will most likely be able to help you. Our counselors are here to help you decide what process will be right for you based on the type of debt that you are in and your specific financial situation.
Q: Will creditors continue to contact me after I hire you?
Fortunately, your creditors must adhere to the laws set forth by the Fair Debt Collection Practices Act (FDCPA) which states that once third-party debt collectors are notified that our law firm represents you, they are expressly prohibited from making any further contact with you. After you hire us, all third-party debt collectors are only permitted to speak with us. This law is one of the many advantages of hiring The Law Offices of Kenneth H Dramer, PC because since this law only applies to attorneys, many non-attorney based companies in this industry do not have this service to pass along to their clients.
Once you hire The Law Offices of Kenneth H Dramer, PC, you will receive a welcome kit relevant to the service that you retain us for that will teach you your rights when dealing with your collectors. We will teach you how to deal with, and document collection calls if they persist. Collectors that do not adhere to the FDCPA law can be subject to legal action. If any collectors violate this law and continue contacting you, our legal team is here to protect your legal rights. If collectors continue to contact you after they have been informed that we are representing you, we can seek compensation on your behalf from the debt collectors. At The Law Offices of Kenneth H Dramer, PC, we will arm you with the knowledge and tools to fight back against these practices. For more information on collector violations and what you can do about them, click here.
Q: Can you stop late fees and interest from accruing on my accounts?
The answer is; it depends. Usually, unless you file for bankruptcy, we cannot stop a creditor from adding interest or late fees to your account. However, under some of our settlement techniques, we will map out a manageable payment plan that will include your late fees and interest. With one of our services, you will typically pay back between 40-60% of your actual debt which will include the fees and interest that will accrue on your account in the future. Other processes will work with your creditors to bring your accounts back to current status with certain conditions. What ever your situation is, we will be here to guide you and help you get out of it.
Q: Are your debt negotiation services guaranteed?
YES! Our debt negotiation services are 100% guaranteed. You will not be charged a fee if we are not successful. We are confident that we will be able to help you achieve your financial goals. We offer a variety of different processes no matter what your financial situation may be, and we will make sure to work our hardest to find the process that is right for you. All of our negotiation services are guaranteed work as long as you do your part, or you not be charged.
Q: Can you help me if I am being sued by one of my creditors?
Absolutely! Our attorneys have successfully defended many lawsuits on behalf of our clients against their creditors. We must advise, however, that it is not always the best strategy to defend against creditor lawsuits, and sometimes there are other actions that we will recommend. No matter what your predicament may be, our attorneys are well qualified to evaluate every different case and advise you on what your best plan of attack should be.
Q: How do I know if your company is legitimate?
The Law Offices of Kenneth H Dramer, PC is a law firm, and as such, we follow all ethical rules that govern the legal profession. It is illegal for us, as your attorneys, to withhold anything from you. If we do anything unethical, we could face disbarment from the State Bar. If you would like to confirm that we are a law firm in good standing or would like to look into any of the partners of the firm, please feel free to check with the New York State Bar Association by clicking here.
Our employees are certified by the International Association of Professional Debt Arbitrators (IAPDA). You can check our company out by clicking here and any individual debt counselor that you might have spoken with can be looked up here.
We are constantly seeking new ways to improve as we move forward. We are very proud of our law firm and would never do anything to jeopardize the reputation that has taken us years to build.
Q: Do you keep my information confidential?
Yes, all of your information is kept 100% confidential. We only disclose information to those persons that you have authorized us to do so. Any creditor that you wish for us to negotiate with will be contacted and advised that you have retained us to represent you. Any information given to us is held in strict confidence at all times and will only be shared with your creditors, with your permission, and when it is necessary to perform our services. We will work hard to earn your trust, and it is important to note that we are held to the highest possible standards by multiple trade associations and the Bar Association. For further information in regards to our privacy policy, please click here.
Q: Why should I choose your Law Firm?
The Law Offices of Kenneth H Dramer, PC is an industry-leading law firm that is fully dedicated to your success. Our attorneys are experts in the laws that govern the credit industry and govern your creditors. We have teams of IAPDA Certified Debt Arbitrators and Certified Debt Specialists that have the necessary knowledge, understanding, and experience in dealing with every facet of the of the debt and credit industry. We are not affiliated with any bank, creditor, or other lending institution and are here to work exclusively for you.
Since The Law Offices of Kenneth H Dramer, PC is an actual law firm, unlike many others in this industry, we have a fiduciary and legal responsibility to do the prudent thing for our clients. We offer many different services that will educate you and help you reach your financial goals. If you find yourself in a financial struggle and are looking for help and a way out, put the power of The Law Offices of Kenneth H Dramer, PC on your side.
Q: How can someone apply for help?
There are two ways that you can apply for help with The Law Offices of Kenneth H Dramer, PC. You can either fill out the request form, and you will be contacted shortly, or call us toll-free at 1-888- 314-1722 and you will either be connected with a debt consultant immediately for a free consultation.
After speaking with a counselor, we will analyze your financial situation and discuss all of your available options. We will help you determine which processes you qualify for and will help you make the best decision for your financial future. There is never any obligation, and everything we discuss is kept strictly confidential. After your free consultation, if you choose to move forward with The Law Offices of Kenneth H Dramer, PC, we will then send you a comprehensive package for your review.
Q: Can you help save me from losing my home?
We know that the thought of losing your home can be extremely stressful and frightening to even think about, which is why we offer a variety of different services that can assist you when facing a potential foreclosure on your home:
- Short Refinance
- Short Sales
- Reverse Mortgages
- Loan Modifications
- Mortgage Repayment Plans
- Partial Claims
- Loan Forbearance
- Deed in Lieu of Foreclosure
- Bankruptcy
- Veterans Administration (VA) Loan Refunding
Using one of the strategies listed above, we assure you that we can help to improve your financial situation and hopefully avoid foreclosure on your home. We have helped many just like you, so contact us now, and don’t wait until it’s too late.
Getting Started is Easy…
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.
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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