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Everyone
10+
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Content rating
Everyone
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About this app

IMPORTANT NOTICE:
ZERAMI is a private service provided by Montoro Advisors S.r.l. It is NOT a government agency, is not affiliated with the public administration, nor does it represent any public administration or public authority.
We offer exclusively private professional advice.
The app is developed by Montoro Alberto and exclusively licensed to Montoro Advisors S.r.l., which provides the service itself and through affiliates.

ZERAMI — Your guide to managing and reducing debt with the help of private professionals. Are you struggling with debt and want to understand what solutions are available for your situation? ZERAMI connects you with private professionals to analyze your situation and identify the best path for you.

WHAT WE OFFER:
• Over-indebtedness Consulting: Analysis of your debt situation and evaluation, together with qualified professionals, of possible solutions to manage and reduce debt.
• Settlement and Foreclosure: Private negotiations with creditors, conducted by professionals, to define a possible closure of the debt position.

• Assistance throughout the process. We'll accompany you every step of the way: from the first free consultation to the finalization of the process, with professionals at your side.

WHY CHOOSE ZERAMI:
Free initial consultation
Personalized analysis of your situation
Qualified professionals (tax and legal)
Guaranteed confidentiality
Tailored solutions for your needs
Continuous assistance throughout the process

WHO WE SERVE:
• Individuals with bank debts, loans, or revolving credit
• Families experiencing financial hardship
• Former entrepreneurs with outstanding debts
• Self-employed workers and VAT-registered individuals
• Anyone seeking a second chance.

HOW IT WORKS:
Download the app and request a free consultation.
One of our consultants will contact you to analyze your situation.
You'll receive a personalized assessment of possible solutions.
If you decide to proceed, we'll support you through to completion. Outcome Disclaimer: Results depend on each client's specific situation and the assessments of the relevant individuals and authorities.
ZERAMI does not guarantee predetermined outcomes or automatic debt cancellation.

CONTACTS AND INFORMATION:
ZERAMI is a service provided by Montoro Advisors S.r.l. Developer: Montoro Alberto (exclusive license to Montoro Advisors S.r.l.). Information and support: info@zerami.it
ZERAMI is not a public entity and does not provide government services.
Private consulting on over-indebtedness and debt settlement. Not a public entity.
Updated on
Oct 17, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
  • No data shared with third parties
    Learn more about how developers declare sharing
  • This app may collect these data types
    Personal info, Financial info, and Health and fitness
  • Data is encrypted in transit

What’s new

Miglioramenti Firma digitale e sicurezza, Comunicazioni interne e Gestione automatiche, Chat interna e sicurezza, Miglioramenti CRM e ricerca globale interna.
Content rating
Everyone
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App support

About the developer
Alberto Montoro
studiotributario.montoro@gmail.com
Italy