Legal Debt Validation

A Legal Way Not to Pay Your Debts Unless They Are Proven Valid

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Debt Validation



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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What is Debt Validation?

If you owe on a debt that is in collections with a third-party, no matter whether or not you actually owe the money, you should not pay a penny until the debt collector proves your debt is valid.  Why pay if the third-party collector might not even be able to show they have the legal right to collect from you?  After all, if they can’t prove they have the right, you may legally have the right not to pay.

Debt Validation Works Especially well with Debt Purchasers

If the right to collect on your past due debt has been sold to another company known as a debt purchaser or debt buyer, this new company now has the right to collect what you owed to your original creditor.  This does not mean you need to pay them immediately when they first contact you.  When debt purchasers buy debt collection rights, they frequently do not receive all the necessary proof to show their valid right to collect from you.  These transactions regarding the sale of delinquent debt accounts are regularly missing essential documentation or contain incorrect documents.

Debt validation makes the debt purchaser or their debt collection agencies or attorneys prove they have the right to collect the debt they claim you owe.  They not only have to show the amount they claim you owe is accurate but also provide all the documentation to prove they can legally collect as required by federal law.

Debt Validation Requires Documentation Showing:

  • your debt is valid including proof of assignment or proof of sale
  • your debt is legally within the statute of limitations
  • the third-party debt collector’s information is accurate
  • a complete accounting of the alleged balance owed

Debt Validation with Our Debt Settlement Services Typically Yields Better Results

Debt Validation in conjunction with Debt Settlement usually means more favorable settlement offers on your behalf. Not only are the offers for lower amounts, but the offers tend to come in a shorter timeframe upon starting the Debt Settlement Process.  One of our Debt Lawyers that knows the Consumer Protection Laws and our Debt Invalidation techniques can be worth their weight in gold.

The 5 Laws that Allow You to Invalidate Your Debts Legally

Debt Invalidation is not a program, but instead a process that uses Federal and State consumer laws to make sure third-party debt collectors do not take advantage of you when collecting.  Debt collectors often violate laws when attempting to collect, so our job is to protect your rights and to ensure you do not pay any debt that is not 100% valid.  If your debts are not proven to be valid, you will legally not have to pay – regardless of whether or not you owe the money.

Many debt collectors demand payment and using intimidating tactics as most individuals do not know their rights.  When you hire Dramer Law, you will be well informed of the laws written to protect you and will have a team of debt lawyers and certified debt specialists that will look after your rights to ensure no debt collectors take advantage of you.

Fair Debt Collections Practices Act (FDCPA)

The FDCPA protects you from debt collectors that use abusive, deceptive or unfair practices.  This is the primary law relating to Debt Validation.

The Fair Credit Reporting Act (FCRA)

The FCRA protects you from the entry of inaccurate information on your credit report.  This law is crucial when removing invalidated accounts from your credit.

The Truth In Lending Act (TILA)

The TILA protects you from mistakes when an original creditor or third-party collector demands an inaccurate amount, allowing you to dispute transactions and balances allegedly owed.

The Fair Credit Billing Act (FCBA)

The Fair Credit Billing Act is an amendment to the Truth in Lending Act.  It is part of the federal consumer protection law that protects you when billing errors occur.

The Credit Card Act of 2009


The Credit Card Act of 2009 protects you from excessive interest rates, unfair interest rate hikes, and penalty fees.

View Real Results from Our Debt Validation Service

All letters in this section will show a 0% payback meaning the creditor forgives 100% of the debt in each scenario.




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How Debt Validation Works


From the time you are first contacted by a debt collector, they have 5 days days to send you a written notice of their intentions to collect.  In this notice, will be some language stating that within 30 days, you have the right to dispute the validity of the alleged debt which is the first step of the debt validation process.  We will prepare notices of dispute on your behalf whether or not you actually owe the money they claim.  We send these dispute notices to ensure the collection agency has the right to collect the debt you owe.

Once the debt collector receives our dispute notices, they will then have 30 days to prove they are legally allowed to collect and they are not allowed to continue their collection efforts until they prove they have a valid claim to do so.  This dispute request does not have to be sent to the debt collector within 30 days as it can be sent at any time, however, if the dispute request is not sent within 30 days, the debt collector only has to stop their collection efforts if you dispute the cliam within the 30 day timeframe.  Once a debt collector receives a dispute notification for validation, they must validate the claim.  Many debt collectors will try to mislead you to make you believe they do not have to validate – but no matter what they tell you, by law., the debt needs to be validated.

Once a debt collector has received a validation notice, they must supply the validation documents to us within 30-days of our request.  If they do not provide validation within 30 days, the debt will then be considered invalid and therefore, legally non-collectible.  Once an alleged debt is proven non-collectible, the debt collector is required to remove the account notations from your credit reports, and you will no longer be obligated to pay your debt – saving you thousands of dollars!  Additionally, once a debt has been proven to be invalid, you will not be responsible for paying any taxes on the forgiven amount.

If it seems to you that this is almost too easy – it is – if you have a validation request that is written correctly by one of our debt lawyers. Even if your the debt collector attempts to validate your alleged debt with an insufficient response, we have the follow-up requests to ensure the collector either send the proper documentation or otherwise, their debt will be invalid.  Many times, we receive all the statements for the history of the account, but that is still not enough.  We require a copy of the original account agreement and all the statements from the time of the inception of the account.  We will then do our forensic accounting to ensure your collectors or original creditors didn’t overcharge you or miscalculate any interest or fees which would violate the Credit Card act of 2009 and the Truth in Lending Act.  Any errors and violations we find can help to invalidate your debt.

If one of your alleged debts has been fully validated, we can then settle the debt for less than the amount you owe anyway and will still be able to save you a ton of money.  You’d be surprised as to how many debt collection agencies are not able to validate their claims, especially the accounts that were sold to third-party debt purchasing companies. They do not have all the records needed to validate their claim and therefore, the Debt Validation strategy, works exceptionally well.


With both our Debt Validation and Debt Settlement Services, there are NO UPFRONT FEES, and you NEVER PAY US A FEE UNLESS WE ARE SUCCESSFUL. 

If Your Debt is Invalidated, You Will Still Owe the Money but Don’t Have to Pay


Validation has to do with the debt collectors ability to collect a debt, not whether or not you owe the money. You will no longer owe the money only if the debt is paid or settled.  Even after a debt goes past any applicable statute of limitations, you technically still owe the money, but there is no way for a collector to enforce their claim.  The same concept applies to Debt Validation.  If it is your debt, you will always still owe the money, but if the debt is invalidated, you won’t have to pay the obligation.  Many debt collectors will have the opportunity to collect, and if they do not do so, the owner of the account will pull the debt from that agency and send it to a new agency for collection.  If not validated previously, we will continue to request validation until the collectors no longer attempt to collect from you or until your account goes past the timeframe of the statue of limitations of collections.  At Dramer Law, we’ll stick it out with you with you until the end.

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.

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 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 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