If you ever end up in a situation where you have to deal with Kramer and Frank, know this. They have no morals. They purchased a debt collection account and upon doing so, refused to negotiate with a company that I had employed to do so. I had provided that company with a Power of Attorney to act on my behalf. When notified that I intended to satisfy the debt immediately following the Christmas Holiday, they garnished my paycheck with no notice. Rather than communicating with me, giving me options, working with me to handle this in a professional, ethical, considerate manner, they just decided to be stereotypical attorneys and take what they could. Be forewarned.