About Us

Peter Cozmyk

Peter has been a Consumer Advocate for his entire legal career. He obtained his Bachelor of Science degree in Physics from Cleveland State University in 1998, and his J.D. from the University of Akron School of Law in 2004.

Peter is presently licensed to practice in the state of Ohio as well as ten (10) federal jurisdictions. His federal licenses include the N.D. of Ohio, S.D. of Ohio, W.D. of Pennsylvania, E.D. of Michigan, N.D. of Illinois, C.D. of Illinois, N.D. of Texas, S.D. of Texas, W.D. of Oklahoma, and the E.D. of Oklahoma. Peter is a competent and experienced litigator in both state and federal court and has exclusively practiced in the area of Consumer law for nearly six (6) years.

Patrick Crame

Patrick A. Crame is an attorney that practices in Foreclosure Defense and Bankruptcy law. He graduated from Loyola University Chicago in 2004. He received his Juris Doctorate from St. Thomas University School of Law in 2008, where he also completed his Masters in Business Administration at the same time.

Patrick began his law career practicing in a high volume creditor’s rights law firm where he litigated commercial business matters.  In 2011, he began practicing foreclosure defense and bankruptcy law. Patrick is licensed to practice law in Illinois, and he is a member of the Northern District of Illinois Federal Bar. Patrick strives to find the best possible solution for each of his clients’ specific legal needs.

Justin Lopez

Justin was raised in West Milton and attained his bachelor’s degree in Political Science (2009) and a Juris Doctorate (2012) from The Ohio State University.

Justin interned with local area firms while in law school. After graduation, Justin worked with the prestigious firm of Lopez, Severt, Pratt Co. L.P.A and learned under the tutelage of his Father, Jose M. Lopez, a prominent criminal defense and civil attorney in the Dayton area. Justin has worked in a wide array of practice areas including civil litigation, domestic relations, criminal law, real estate, and probate law but with a specialty in Bankruptcy Law. Justin developed bankruptcy as an area of practice at his prior firms. and was primarily responsible for the management of all bankruptcy-related cases. Justin also worked for the firm of Elsass, Wallace, Evans & Co. L.P.A. in Sidney, OH where he obtained his title insurance license and developed a specialty in real estate law, while also working on a variety of cases on behalf of the Ohio Attorney General’s Office.

Justin has been admitted to the Ohio State Bar and the Federal District Court for the Southern and Northern Districts of Ohio. He is also a member of Miami County Bar Association, Dayton Bar Association, and American Bankruptcy Law Forum.

He is active in the community as a board member of two non-profit organizations, Miami County Recovery Council and Reading for Change. Justin is a graduate of Leadership Troy’s Class of 2017.

Justin currently resides in Beavercreek, Ohio, with his wife, Ashley, a teacher in the Kettering school system, his daughter Mallory, and his son Jagger. In his spare time, he enjoys golf, live music, politics, reading, and running.

Jann Washington

Jann began her legal career as a paralegal while she attended law school so she could further help others.

She now has over 12 years of experience assisting clients across Ohio with bankruptcy and foreclosure defense.

She personally experienced financial hardships prior to practicing law, so she provides a compassionate and empathetic approach with her clients.

Jann was admitted to the federal courts of the Northern and Southern Districts of Ohio and Western District of Pennsylvania practicing in Bankruptcy Courts.  In addition, she is a member of the Ohio Bar Association as well as the Westshore Bar Association.

Ryan Frasher

Ryan is an experienced consumer protection attorney who established a
prosperous law firm in Indianapolis after graduating from Dayton Law in
2007. He has litigated cases under many federal and state consumer
protection laws, helping recover millions of dollars for consumers in class actions and arbitrations.