Debt Relief Process & Procedures

Free Debt Consultation

Free Consultation

The Law Offices of Kenneth H Dramer, PC professionals are highly experienced in analyzing individual client’s financial situations and determining which of our processes are best suited for their needs. We can help with debt settlement, bankruptcy, loan modifications, debt counseling & much more.

We begin with a free one-on-one, no-obligation personal consultation. One of our debt attorneys, certified debt specialists or paralegals will analyze your situation, help review your budget and make sure that we match you with a personalized process that best suits your financial needs and capabilities so that you can get out of debt as soon as possible.

Debt Relief Process Introduction

Our staff is trained to ask the right questions to get the whole picture. Any member of our law firm that consults with our clients is well qualified with a MINIMUM OF 10 YEARS EXPERIENCE in dealing with debt relief!

Before making any recommendation they will analyze your current situation including your assets and liabilities as well as your current cash flow. Your representative will then customize a relief solution to the individual needs of you or your business.

Once retained, we immediately send our Limited Power of Attorney forms to whoever you owe money to, or their collectors and/or attorneys in effort to take over any phone calls you may be getting harassed with.

We then work on lowering your payments, lowering your rates, extending the terms of your payback, relieving you of past due fees and penalties, trying to reduce the amount of the outstanding principle that you owe, or completing your court documents or bankruptcy petition right away..  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.

Put our Experienced Debt, Mortgage, or Business Relief Attorneys to work for you.  CALL 1-888-314-1722 TODAY for your FREE CONSULTATION and let us help you save you or your business today!

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The Different Types of Debt and Situations We Can Assist With

Click on the link to the type of debt you have to see what types of debt negotiation services we offer:

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For a completely free consultation call 1-888-314-1722, fill out our Free Consultation Form and one of our paralegals or debt specialists will be in contact with you shortly.

For more information about the exact services that we offer, please visit our Services page. For answers to the most common debt settlement questions, please visit our highly informative Frequently Asked Questions page.

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*Individual results may vary based on consumer’s earnings, assets, and current financial situation.  Our law firm does not assume or pay your debts, nor provide credit or tax advice in relation to any forgiven amounts.  Debt relief options do not obtain immediate results and as such it is important to complete any process in full.  Not all relief options are available in all states.

*Be  wary of any company that tells you not to pay your bills as certain debt relief options may have a negative impact on your credit report and other consequences.  For example, your debts may continue to accrue late fees and penalties, you also may receive calls from your creditors and/or debt collectors, you could even be sued for non-payment.  If a creditor obtains a judgment against you they have the right to garnish your wages or put a lien on your home.  Make sure you choose company that explains the benefits and consequences of each debt relief option.

*The information provided on this site is for general information and educational purposes only.  The information presented should not be considered legal advice, and should not be misconstrued as such, and should most definitely not be acted upon without first consulting with an attorney. The information is subject to change without notice. Consult a debt relief lawyer licensed in your jurisdiction for specific advice.

*We provide Debt Relief services and are a debt relief agency, as defined by the U.S. Congress. We proudly assist people filing for bankruptcy relief under the Bankruptcy Code as well as various other services to help avoid bankruptcy.