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Toward a Brighter Financial Future
Many people hold back from talking with a bankruptcy lawyer, thinking that if they just wait long enough, their financial problems will go away. Others are embarrassed or ashamed by their situation.
At The Law Offices of Scott A. Kramer, we are here to help you, not to judge you. The bankruptcy laws were enacted to provide financial relief for people like you hard-working people who have unmanageable levels of debt. We use the bankruptcy system to reduce our clients' debts to the greatest extent possible while helping them protect their property.
We have helped thousands of people in the Dayton area and Southern Ohio obtain debt relief. We want to guide you to a brighter financial future.
The Right Solution for You
Attorney Scott A. Kramer can review your case in a free consultation and recommend the right solution for you.
A Chapter 7 bankruptcy can completely eliminate many unsecured debts including credit card debts, medical bills and personal loans. In may cases, You can keep your vehicles, personal property and your home.
A Chapter 13 debt adjustment is ideal for people with a steady income who have property they want to protect, such as a home. You can reduce or eliminate unsecured debts and pay off your other debts, such as vehicle loans, in a three- to five-year payment plan.

In some cases, bankruptcy is not the answer. If this is true in your case, we may be able to recommend alternatives to bankruptcy such as a home loan modification, short sale or loan workout. Our goal is not to shoe-horn you into a cookie cutter solution, but to provide sound, professional advice that will allow you to make the best decision for you and your family.
Take the First Step
When we file a bankruptcy case for you, foreclosure, repossession actions and garnishments stop. In some cases, we can even strip judgment liens from your real property. In short, creditors will no longer pester you at home and at work. Interest and penalty fees will stop piling up.
The Law Offices of Scott A. Kramer will develop a plan designed to obtain maximum debt relief that allows you to keep as much of your property as possible. In a few short months, you will heading toward a brighter financial future.
Call for Debt Relief
For a free initial consultation with an attorney at The Law Offices of Scott A. Kramer, call 866-986-5087 toll free or contact us online.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.