Mortgage Loan Modification, Restructuring, & Principal Reduction

Mortgage Relief Services

Loan Forbearance

Loan Repayment

Loan Modification

Short Sale

Deed-in-Lieu of Foreclosure


Foreclosure & Predatory Lending Defense


Mortgage Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Mortgage Relief Attorneys

Learn about your options.

See what you can save.

Contact Us Today.

Let Us Help You!

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Why Should I Use a Loan Modification Attorney?


Dramer Law has a team of Real Estate & Foreclosure Defense Attorneys that are fully capable and experienced to renegotiate the terms of your existing home mortgage loans – including reducing the amount you owe! We deal with your lender for your benefit. Our mortgage relief specialists are fully licensed and committed to helping you save your home and save you money – WHETHER YOU ARE IN FORECLOSURE…OR NOT.

Why YOU Need a Loan Modification Attorney


New York, you’ve probably all heard of a Loan modification or loan restructuring by now.  If you are experiencing a financial hardship that has affected your ability to make your monthly mortgage loan payments or if your home is underwater (negative equity) then our loan modification, mortgage settlement, & foreclosure defense lawyers may be able to help you.  We can negotiate the terms of your existing mortgage loan to make the payments more affordable for you.   This can mean a variety of changes such as:


  • Lowering your interest rate
  • Converting your loan from an adjustable rate to fixed 
  • Extending your repayment term
  • Eliminating or reducing delinquent payments
  • Negotiating a discounted pay-off for Underwater Homes
  • Any combination of the above!

Trust Our Loan Modification Attorneys


A loan modification is not the same as a refinancing.  With a modification, a bank does not issue a new loan, but instead, we renegotiate the existing home loan that you already have to more beneficial and affordable terms for you.  Most time, we can get a modification for you whether you are delinquent on your payments or not.

Loan modifications or loan restructurings can be a great way to prevent a foreclosure on your home as they will immediately bring your loan back to current status as long as you make all required payments.

Dramer Law is a mortgage & debt relief law firm.  We have a team of lawyers that specialize in negotiations for loan modifications, short sales, and deed-in-lieu-of-foreclosure.  Additionally, we have lawyers that deal with foreclosure defense, predatory lending, and even bankruptcy.  We offer multiple options, all to help you avoid foreclosure.

 Benefits of a Loan Modification

Save Your Credit

By working out a loan modification with your lender you’ll get back up to date with your payments, you will avoid foreclosure, and you will prevent further damage to your credit.

Save Your Home

Once your loan has been modified, you will no longer be at risk of foreclosure by your lender.  If your rates and loan payments are lowered, paying will be easier going forward.

Save Money

In addition to lower interest rates and monthly payments, we have been able to reduce the principal balance of many mortgage loans, saving millions of dollars for our clients!

View Real Loan Modification and Mortgage Settlement Results


Any mortgage settlements shown are represented as a percentage of the debt paid back. 

For example, a 20% settlement means that 20% of the mortgage loan is paid back and 80% of the balance is forgiven.



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If you or another company have been unsuccessful in modifying your existing mortgage loan, one of our Mortgage Relief Attorneys may still be able to help.

We can evaluate your case and see if maybe there was a slight error on your part that caused your denial, and can then resubmit a request for you properly.

Alternatively, if your lender denied you even though your proposal was accurate, then perhaps instead we can help avoid foreclosure with either our Foreclosure Defense Litigation, Short Sale Negotiation, or Deed in Lieu of Foreclosure Negotiation Services.

One way or another, we can help!

How Dramer Law Handles Our Loan Modification 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 mortgage lender, their 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 Mortgage 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 modify our clients’ mortgage loans, 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, Consumer Debt Relief, Tax Relief, & Student Loan Relief.  When Debt is the Problem – We Have the Answers!

Client Testimonials