Proven Debt Relief Success

Our firm has successfully resolved hundreds of millions of dollars in debt and mortgage issues, providing relief to thousands of business owners and individuals struggling with overwhelming debts. We are dedicated to finding the most effective debt relief solutions tailored to each client's unique situation.

Experienced in Debt Settlement and Financial Freedom

Kenneth Dramer, sworn in as an attorney in 1993, has extensive experience in mortgage, debt, tax, and student loan problems. While other firms have come and gone, our proven debt management strategies have stood the test of time.

Comprehensive Debt Management Solutions

As a full-service law firm, we offer a wide range of negotiation services, from debt settlement and restructuring to more complex services like foreclosure defense and bankruptcy. We specialize in assisting clients with higher debt loads.

Our Practice Areas

Business Debt Relief

Business Debt Relief

With options from Debt Restructuring, Debt Settlement, Lawsuit Defense, and Bankruptcy. We offer every Debt Relief solution
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Consumer Debt Relief & Settlement

Consumer Debt Relief & Settlement

Are you experiencing financial hardship and past due on your creditor payments? Our No Upfront Fee Debt Settlement service
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Debt Collection Lawsuit Defense

Debt Collection Lawsuit Defense

Recently sued, sued in the past, or facing a bank levy, property lien, or wage garnishment as the result of a judgment? We offer multiple
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Fair Debt Collection Practices Act Lawsuits

Fair Debt Collection Practices Act Lawsuits

The Fair Debt Collection Practices Act (FDCPA) governs how third-party debt collectors are allowed to communicate with you.
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Mortgage & Timeshare Relief

Mortgage & Timeshare Relief

We offer various options to help you either stay in your home or, to exit your home as painlessly as possible. We offer Loan Modifications, Principal Reduction, Short-Sale,
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Predatory Lending & Foreclosure Defense

Predatory Lending & Foreclosure Defense

If you are already facing foreclosure, one of our foreclosure defense lawyers can help protect you from
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Student Loan Relief

Student Loan Relief

If your grace period just ended, have just fallen behind on your loan payments, or are in default and dealing with collectors or lawsuits
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Tax Relief

Tax Relief

Our Tax Attorneys and Enrolled Agents help individuals and small business owners with IRS and State back-tax problems.
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Bankruptcy

Bankruptcy

Bankruptcy 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,
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Client Testimonials

“I was deeply in debt and after I tried everything I could think of -including a reverse mortgage-I heard of this law firm and I was told to contact Michael Sininsky. Michael explained the process in detail and even though I was quite hesitate I feel this was the best option for me. He was kind, calming and very thorough. In hindsight I wish I had declared bankruptcy but this was clearly my decision. I thank the company and Michael for giving me peace of mind at this point.” Sue R. Allegheny Co, PA 6-15-15
“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”
“Nicki and I are ecstatic, she is so happy she is in tears! This has been a long journey and you have taken us through it just as you promised. We think back at how hopeless we were feeling when we first contacted you and your firm, how reassuring it was to speak with you and how you empowered us to get this dark cloud behind us. This year, my wife and I will be celebrating 25 years of marriage and I can’t think of a better 25th wedding anniversary gift than this! Thank you from the bottom of our hearts for all of your efforts in getting us through this! Most Sincerely, Ken and Nicki K” Highland, NY. 4-6-15

Client Testimonials

“We thank you for everything that you have done for us and may God continually have favor and blessing on your life for being an honest person while you were helping us with debt relief. We thank you.”
Louis & Nancy D. Philadelphia, PA 10-6-2020
“My husband and I really appreciate all that you have done for us. You made canceling our timeshare stress-free with your debt relief solutions. You explained the whole process upfront, all the dos and don’ts, and handled it from the beginning. We feel like a weight has been lifted off our shoulders. Again, thank you for providing such excellent debt management services.”
Natalie & Frizzell from Maryland 7-6-2021
“Just want to thank Michael Sininsky for all his help with my debt relief situation. He explained everything and took care of the problem in a timely and efficient manner. I was very happy with the results. I would highly recommend their debt management services. 5 stars!”
John P. Bellmore, NY 9-3-2021

Why We’re Better

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Getting Started is Easy

Call Now for Your Free Debt Relief Consultation

Contact us today for a free consultation with an experienced member of our team who will ask the right questions to determine the best course of action for achieving debt relief. They will review each debt settlement and debt management option, discussing the benefits and potential drawbacks of each, to ensure you make the best decision for your financial freedom.

Uncover Your Debt Relief Savings Potential

Each debt relief option offers unique savings potential. It's important to consider that options with greater downsides may also offer greater savings. Our debt settlement and debt management representatives will ensure you understand the cost benefits and provide full disclosure of our fees, helping you make an informed decision for your financial freedom.

Retain Our Firm and Begin Your Debt Settlement Journey

Once retained, we promptly take action to address your debt relief needs. Our team works quickly and efficiently to achieve a successful resolution. You will be assigned a dedicated debt settlement specialist who will maintain constant contact with you throughout the process, ensuring you are well-informed and supported every step of the way.

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