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Towson attorneys William & Kelly Grafton have helped thousands of people get out of debt and rebuild their lives.

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What's Inside This Book?




Find out what makes our family-centered law firm

different from the rest...

How to Save Your House


Inside tricks for eliminating 2nd mortgages, modifying loans, and paying back arrears without more late charges and interest. (Pages 47, 55 & 57)



How to Stop Wage Garnishments


Learn how you can stop a garnishment immediately AND GET YOUR MONEY BACK! (Page 45)



The Best Time to File if You're Considering Divorce


Timing matters. Learn what your divorce attorney doesn't know about eliminating joint debt. (Page 27)



How to Reduce Your Car Loan to the Actual Value of Your Car


Few people know that you can "strip" your car loan down to the actual value of your car. Read the book to learn how. (Pages 41 & 59)



Yes! You Can Eliminate Back Taxes


Old tax debt can be completely wiped out in bankruptcy, but only if it passes a specific test. Find out more on Page 49.


About the Authors



William Grafton has been helping people file for bankruptcy and eliminate debt for over 15 years. He has overseen bankruptcy filings in all 50 states and helped thousands of families get a fresh financial start. He also has first-hand experience with overwhelming debt. After losing his home and all his possessions in a hurricane, Will rebuilt his life from the ground up.


Will is a member of the National Association of Consumer Bankruptcy Attorneys, the Consumer Bankruptcy Section of the Maryland State Bar, and the American Bar Association. He is licensed to practice law in Maryland, Texas, and Mississippi. 


Kelly Grafton brings over 12 years of litigation experience to the team. She has helped both global corporations and everyday families through the legal system. She frequently argues before Maryland's courts of appeal and is a member of the bar of the Supreme Court of the United States. Her personal experience with debt and loss goes back to childhood when her father was laid off and her house burnt down in the same year. She has seen how debt can tear a family apart and wants to keep others from the same fate.


Kelly is a member of the Appellate Advocacy Committee of the Maryland State Bar, the Consumer Bankruptcy Section of the Maryland State Bar, and the Baltimore County Bar Association. He is licensed to practice law in Maryland.


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"William Grafton is amazing. He helped me through a part of my life I definitely wasn’t sure about especially financially. He gave me real options and was honest about my situation. I appreciate everything he did to help me out and now I’m in a better place financially after my bankruptcy. I definitely recommend him to everyone. Plus he let me keep my super sweet Rowdy Roddy Piper Autograph Picture hahaha. The service is great and the price was nice for what I needed. Thanks again for everything.""

"The Graftons provide excellent bankruptcy advice and bankruptcy planning, as well as other legal services. I would recommend either Kelly or William Grafton very strongly for any needed legal advice."

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(c) 2018 Grafton Firm, LLC. 920 Providence Road, Suite 400A, Towson, MD 21286. (410) 929-0330.

We are a debt relief agency. We help people file for bankruptcy under the United States Code.

This is an advertisement. No attorney-client relationship is formed. The advice given here and in the book is general. If you need specific legal advice, contact us.