The Law Offices of Kenneth H Dramer PC is a law firm specializing in Debt Relief for both individuals and businesses. We provide professional Debt Settlement, Mortgage Relief, Bankruptcy Help, Loan Modifications and many more services by licensed debt attorneys, bankruptcy attorneys and debt specialists. Since we focusing solely on debt relief, we deal almost exclusively with financially vulnerable clients. As a result, we strive extra hard to provide the best, most effective service on behalf of our clients.
The reviews below are from REAL The Law Offices of Kenneth H Dramer PC clients and clients that retained S.J. Packman and Associates LLC who are now being handled by our firm. This represent only a small sampling of the positive testimonials we have received regarding our business over the years.
The initial consultation is free. Call 1-888-314-1722 now so you too can become a client that has taken the step to becoming debt free and stress free, the way life should be.
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
We would highly recommend their services for debt reduction and settlement rate negotiations
“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.
view actual client letter here -> http://www.dramerlaw.com/wp-content/uploads/2016/09/09092016_0003.pdf
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 was very pleased with the legal services I received from the Dramer Law Firm regarding settling a debt collection matter with a very stubborn collection service” J. V. – Cobleskill, NY. 5-26-16
I am very grateful….highly recommended
“I am very grateful of Michael Sininsky’s assistance to get through the process. He is very professional and extremely helpful. Highly recommended.” G.P. Floral Park, NY. 2-2-2016
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
Overall, though, 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 advise.
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!”
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 recommend the Dramer Law firm highly”
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.”
These are some of Michael Sininsky’s testimonials at his previous firm:
“it’s comforting to know that there are folks like you out there to help”
“I was able to settle all of my debt and start over and rebuild my credit and prepare for my future.”
I dealt with Michael Sininsky and his team at SJ Packman and Assoc., they were a pleasure to work with. They were recommended to me and I was not disappointed. He was very professional and helpful. He made my experience effortless. I was able to settle all of my debt and start over and rebuild my credit and prepare for my future. I would have never been able to do this without him. Michael is always available to his clients and you can tell he is dedicated to what he does. Thank you Michael and all that helped! I appreciate it! Jillian S. Centereach, NY. 7-14-14
“the way you handled the case with very high dignity, honesty, and hard work is remarkable”
“SJ Packman was absolutely terrific from start to finish on my loan re-modification”
“SJ Packman was absolutely terrific from start to finish on my loan re-modification. SJ Packman made the process flow so smooth and easy. I was 9 months before on my mortgage and in jeopardy of going into foreclosure and SJ Packman especially Michael Sininsky had me back into structured payments in less than 60 days working with my lender. I can say because of SJ Packman I still own my home today. I would recommend this firm to anyone in my family or friends as this firm is fast, friendly, reliable, and the real deal.” Don W. Holbrook, NY 5-4-14
“Only if i used sj packman the first time my mother would off saved a lot more money and would of saved a lot off stress”
My mother was in really bad dept and she owed lots of money to the credit cards. all her money was going to the credit cards and bills and medical bills with very little money left for food. She started with a debt forgiving program . And it back fired big time and got her much more in debt with a court date and got no support at all and they never returned my phone calls, Then I contact sj packman to take over the case. within a couple off week’s they were able the settle the credit card the right way . They were very understanding and very help full and really new what they were talking about and worked very hard to settle my mothers account with out going to court with very little time to the court date. Only if i used sj packman the first time my mother would off saved a lot more money and would of saved a lot off stress. Im very happy with the service sj packman gave us they did a wonderful job. SJ packman and Mike Sininsky thank you so much for such a great job we really appreciate it. Steve N. E. Rutherford, NJ. 5-12-14
“I must say that your way of handling the case has been beyond any ones imagination, the dedication,honesty,
“You do not know the pressure that this has taken off someone”
Click to see actual letter from 2.26.14 testimonial – L. WIlliams, NJ
“I would have never been able to have done this without the help of SJ Packman”
The process to negotiate a debt was made easy and extremely fast. What I had envisioned years to resolve was completed in just 5 months. I was kept informed of the process every step of the way and received updates in a timely and efficient manner. I would have never been able to have done this without the help of SJ Packman. I would especially like to thank Michael for his outstanding attention to detail and with the caring that he showed throughout the entire process. Sincerely, Sue H. 1-17-14
“It was a pleasure to work with them and I would recommend them to anyone”
It was nothing but a great experience working with SJ Packman & Associates. Michael was extremely helpful from the very beginning of my process. He worked hard to continuously get me the best deals possible. It was a pleasure to work with them and I would recommend them to anyone. Thank you for all of your help! Tracy T. Long Island, NY 12-19-13
“Very Professional and got the job done”
Michael Sininsky was just great! Very Professional and he got the job done. Barb and Byron C – New York 12-3-13
“I could not have done this without you, The Law Offices of S.J. Packman & Associates”
I really want to thank you because you really helped me when I was still signed up with that lawyer who took more of my money for himself than for my bills. I called a number on a flyer that I received in the mail and spoke with you. You explained what was going to happen if I stayed with that previous lawyer and you explained what I could do to get out of it. You were great! Then we met you to talk about a bankruptcy. Everything was explained in detail. All of my questions were answered, no pressure. I said I wanted to use The Law Offices of SJ Packman but I wasn’t ready. You said that when I was ready to let you know. You never pressured me or called to rush my decision. You were very patient and called from time to time to say hello and see how things were. We finally met with you again to get things started. You were with me the whole way. You were always available to answer any questions or calm my fears and sometime to answer really stupid questions. You never made me feel like I was a pest. You made it so easy to understand exactly what was going on and you took care of everything that needed to be done. When I was ready for my court date, Peter was very friendly and helped me go through with the final hearing. I could not have done any of this without you, SJ Packman. I would definitely recommend you personally. The price was fair and I was even offered a payment plan. You were there when I was ready and always supported and helped me. So Mike ,THANK YOU!!! – Sue G., November 2013
“I feel a huge weight has been lifted from my shoulders”
I feel a huge weight has been lifted from my shoulders, just getting this credit card debt under control and now debt free. You have been a tremendous help and I appreciate how easy this way for you to handle. I will definitely recommend The Law Offices of S.J. Packman all your services to others. Honest and Reliable – Jerome, November 2013
“Definitely consider this law firm for your legal needs!”
In today’s economic world, we were facing a financial hardship. We have to be honest, we were skeptical on contacting anyone with this embarrassing situation. Finally, we made a call to The Law Offices of S.J. Packman and spoke to Michael Sininsky. He made us feel that we were not the only ones, that this was not uncommon. We felt he was able to lead us in the right direction and help us out. Michael is friendly and professional. He answered all our “hundreds” of questions in a timely fashion. He explained the process thoroughly. We were scared and stressed, but Mike made it an easy process. It was actually a relief when completed. We would definitely recommend SJ Packman and Michael to anyone who needs assistance with financial problems. Thank you again for all your appreciated efforts. – Anonymous, November 2013
“Definitely consider this law firm for your legal needs!”
SJ Packman is a wonderful firm to handle your bankruptcy needs. They are always there to answer any questions you may have and explained the process to me in way that I could understand. They are very personal and guide you through the process the entire way—from beginning to end. I was very nervous about this whole process, but my contact with this firm made it so much more bearable! Definitely consider this law firm for your legal needs!! Thanks for all your help, Michael! – Anonymous, November 2013
“I have been able to re-establish myself financially.”
I have been very satisfied with the way S.J. Packman and Assoc was able to help me out when I needed it. Never in my wildest imagination did I think I would ever be in the situation I found myself in after the 2008 financial and housing crash. With the help of Michael Sininsky and the staff at S.J. Packman , I have been able to re-establish myself financially and am tremendously appreciative of that help. – Anonymous, November 2013
“Now that all of my bills were paid, my credit is up and running again.”
Mr. Sininsky and the company he represents is the best in the business. I had a lot of difficulties managing my credit card bills after the collapse in the economy a few years back. Thank God for SJ Packman and Michael Sininsky. I found them just in time. Now that all of my bills were paid, my credit is up and running again. I will recommend him personally to anyone who’s in the same situation that I was. – Patrick, November 2013
“The sooner you reach out, the faster you can save yourself.”
Hi Mike, I appreciate your help in handling my case, for I tried to solve it by myself but it didn’t seem to work (I got scammed). You basically bought more time for me while I tried to sort and regain some financial order in my life. You were able to put me back on track without any severe legal consequences. You listened, negotiated, communicated, prepared,represented, and negotiated again and again for me. Oftentimes, we face difficult situations despite of our effort and those unavoidable situations (divorce, illness or accident) can overwhelm us. Settling debt was not really my first option, but it was the only option I could choose at the moment. I do have some mixed feelings for settling debt, but I know it was the right thing to do. Thank you again Mike for being patient and persistent. The lesson I learned from this experience was to ask for help. The sooner you reach out, the faster you can save yourself… But remember to ask help from the right company. Thanks!- Akira, November 2013
“The entire debt settlement process was very good and well explained.”
Dear Sir, The entire debt settlement process was very good and well explained. It brought me great joy knowing the fact that I’m on the right path of being free from debt collection and constantly being harassed by phone calls. I would like to take this opportunity to thank Mr. Michael Sininsky for a tremendous job well done is assisting me through the entire process. Once again, thank you. – Talibe B., Brooklyn, NY, November 2013
“I would recommend anyone to him.”
I would like to express my thanks to Michael from SJ Packman & Associates. I was left with bills after a separation where my bills exceeded my income after hearing about SJ Packman. I called them and spoke to Mike. At first I was afraid to get involved so I told mike I will call him back mike keep checking up on me and I finally explained my situation to him and he came up with a plan . Thanks to him I am debt free today. I would recommend anyone to him .Thanks again. – Lincoln K, Long Island, NY, April 2013
“I would recommend them to anyone that needs financial help!”
I thought I was in over my head with credit card debt, after working with Michael he walked me through the debt consolidation process and made me feel comfortable about the process and answered all the questions and concerns I had. They helped me make my monthly payments affordable and helped me get out of debt in a couple of years. It was a pleasure working with SJ Packman and I would recommend them to anyone that needs financial help! – Willie T, New York, NY, March 2013
“Good morning and thanks for all your help.”
Your excellent service, reminders, organization and thoroughness made the process not as painful as I envisioned. Thanks for your help and for staying on top of things. All is well on this side, hope you are well too. – Marcelina L, New York, NY, March 2013
“I trusted you.”
I really want to thank you for all what you did during this process to help me out of my financial burdens… I’m now in my way out… thank you to your help… You explained to me every step… very clearly… what was going to happen… how was going to happen … and I trusted you… – Elisa G, New York, NY, January 2013
S.J. Packman & Associates LLC is a top rated company, Dealing with Michael was an excellent experience, He walked me through the process and assured me I would be better off, He was in constant communication throughout the entire process and then afterwards as well. I would highly recommend them to anyone looking to get their financial life back. Everything that I was told was going to happen did, no loop holes just plain honesty. They are definitely not like the other companies out their who take your money and leave you hanging. As I said before, if you want to get on track again, contact SJ Packman and ask for Michael, you won’t be sorry. – Jay B, Queens, NY, Jan 2013
“Negotiating for us Mike got us virtually out of debt.”
I’m writing to thank you for all of your assistance in essentially saving our financial life (my wife and myself). As the financial situation in the country was worsening our personal finances were damaged by a load of medical bills and the housing crisis lowering the value of our home to 60% of its former worth. Despite our efforts we were falling further and further behind financially. In short, we were in debt to a point that we were seriously considering bankruptcy. As we were searching for an answer we came upon your web site, considered the contents of it and the routes you offered to solve our financial situation, so we contacted your firm. Shortly Michael S. contacted us and after laying out our situation he assured us that your company could help; and help he did. Negotiating for us Mike got us virtually out of debt in the space of two years. I cannot thank your company and Mike enough. I have recommended your company to anyone who in conversation spoke of financial problems and had no idea of what to do. The professionalism and sincere concern your company and Mike shows contrasts sharply with so many places that promise much but deliver little. Thanks again for everything. – Rick F, Newark, New Jersey, October 2012
“Now that we are debt free.”
Sorry for the delay in writing to thank you but we have been busy enjoying life now that we are debt free. When illness hit after we had incurred children’s college bills and helping them to get started along with our own credit cards, we were entirely over our head. One day after trying to figure out how we could pay the monthly bills, I got the nerve up to call S.J. Pacman I talked with Michael and he was so helpful and encouraging that after talking with my husband, we decided to do it. With bills around $49,000 we started on our journey to get out of debt and here we are 2 years later, debt free. We would never have gotten on our feet paying the minimum payments each month. Thank you Michael and S. J. Packman for all your help. – Carolyn F, Roebling, New Jersey, October 2012
“Always available and knowledgeable of the situation.”
I was 9 months behind on my mortgage and was in jeopardy of going into foreclosure. I thought there was nowhere to turn, so I reached out to SJ Packman. Michael was excellent. Always available and knowledgeable of the situation. He immediately had his firm make contact with my lender. Within a few weeks we were working on a payment plan with the lender and two months after that, the loan modification was complete keeping my family under the roof I work so hard for. I would recommend this firm to anybody facing foreclosure and seeking a re-modification. – Don W, Holbrook, NY, September 2012
“Always made me feel better and calm during a very stressful process.”
Our experience with the firm was wonderful, Peter Gleason was our attorney and he was great. Michael Sininsky is fabulous, he has been my ear for many months, heard many frustrating calls and always made me feel better and calm during a very stressful process. I would recommend this firm to anyone and will do so. – Dawn B, Bedford Hills, NY, March 2012
“Thank you so much from the bottom of my heart.”
Thanks, Mike. I just entered into a 20% settlement agreement with citicard. I’m going to send you a small token of my appreciation of your professionalism and the time that you dedicated to my case. You should be receiving it in the next few days. Write me to confirm you received it. You’re a top-notch professional and talking to you made me feel like there was a way out. Thank you so much from the bottom of my heart. – David H., Jackson Heights, NY, October 2010
“I would recommend them to my family and friends!”
I would just like to express my thoughts and appreciation on how we were treated by the staff of your firm and how they were so courteous and professional whenever we called with concerns and questions. I would really like to thank Mike since I know I drove him crazy with all the calls.Whenever I had questions or concerns about anything he was always polite, nice, always made me laugh, and I was confident that everything was being taken care of. Along with his co-workers, especially Paul, who I originally used to talk to, he made me feel really comfortable that this firm would do everything in its power to help me to settle my debt. I would recommend them to my family and friends. – Mary H., Bronx, NY, August 2010
“These guys are GREAT”
These guys are GREAT! I was treated very well at all times and they are very professional. They are honest and will fight for you till the end. I never felt like I was another client, the person I dealt with there always knew me by my first name and always responded to any and all the questions I had through out the whole process. I saved a lot of money and headaches because of SJ Packman & Assoc. I would recommend them to anyone that needed their services! Thank you very much !!! – Nestor V., Brooklyn, NY, April 2011
“I am truly grateful for having dealt with The Law Offices of SJ Packman, PC”
I hired SJ Packman & Associates for a Bankruptcy filing. Over the course of six months, I had frequent contact with Michael Sininsky, Controller of Operations. I have found him to be very prompt, honest, considerate and someone with integrity. His professionalism is another area in which he excelled at throughout our correspondence. I am truly grateful for having dealt with the Law offices of SJ Packman, and it is with great pleasure that I recommend them. – Peter L
“We are extremely satisfied”
We were extremely satisfied with your professional service and the settlement rates we received. You helped us through a very trying time in our life and we appreciate it immensely. We would definitely recommend SJ Packman, PC. – Ed & Linda, Miller Place, New York
“Our experience with the firm was wonderful”
Our experience with the firm was wonderful, Peter Gleason was our attorney and he was great. Michael Sininsky is fabulous, he has been my ear for many months, heard many frustrating calls and always made me feel better and calm during a very stressful process. I would recommend this firm to anyone and will do so. – Dawn
“It was a pleasure to work with SJ Packman & Assoc
After putting off my debt for many months I was nervous to get started with the process, since I was unsure of what the process was. My first interaction was with Michael from SJ Packman who was extremely helpful and comforting. He was able to explain the entire process to me and answer every question and concern. He made me understand the choices that I had and helped me to get rid of all of the debt in a very short period of time. It was a pleasure to work with SJ Packman and I would highly recommend them to anyone. I cannot thank you enough for all of your help!!!! – Jillian B., Inwood, NY
“I’m debt free thanks to SJ Packman“
I just want to say that I was going through a tough divorce which put a financial strain on me. I needed to find someone to help me during my financial crisis when i came upon SJ Packman. During the first phone call to the company until the last call to them they were nothing but helpful and understanding. They went through all my options and answered all my questions. They even work with you to make your monthly payments Affordable to you and your lifestyle. They understood my problems and made them theirs. There is nothing but good things to say about SJ Packman. I would recommend this company to anyone who needs financial help. As of today I’m debt free thanks to SJ Packman. – Guy S.
If you are currently considering Debt Settlement, Filing for Bankruptcy, Mortgage Debt Relief options or any other debt relief-related service, The Law Offices of Kenneth H Dramer, PC can help. We help people from all backgrounds achieve. For some examples of our work, please visit our Debt Settlement Letters page, where you will find REAL letters of debt settlement from creditors to our clients.
Also, if you are unsure of your debt relief options, make sure to give us a call at, and our debt specialists will give you a free consultation to figure out what the best avenue for you is to follow.
Do not wait to call. We are a law firm specializing in debt relief. We do NOT work with or for creditors. We are professional debt attorneys, bankruptcy lawyers and debt specialists with years of experience.
Call 888-314-1722 NOW for a FREE CONSULTATION
The Law Offices of Kenneth H. Dramer PC helps individuals and businesses that are experiencing financial difficulties. We have offices to serve New York City and Long Island as well as Upstate NY in addition to Of Counsel attorneys in states throughout the country so WE CAN HELP YOU NO MATTER YOUR LOCATION! If you or your business have a debt obligation that you cannot afford, call today so one of the most experienced debt lawyers, debt relief professionals, bankruptcy lawyers, and other debt specialists can help you! There is absolutely no obligation, so don’t hesitate to give us a call at 888-314-1722 or visit our Contact Us page to learn how you can get out of debt and take control of your financial future.
*Individual results may vary based on different circumstances including many factors. Our law firm does not assume or pay any debts, nor provide credit or tax advice on forgiven amounts. Not all processes 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. Please read and understand all process terms prior to enrollment.
*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.
7.0Kenneth Harlan Dramer