The RAM Team

RAM was built by finance and technology experts. We pride ourselves on our attention to detail while handling a large transaction volume using our automated platform. We work on behalf of companies around the country to provide them with world-class expertise in order to assist them with the processing and disbursing of payments. We follow a strict neutral third-party approach which safeguards the rights of consumers in their dealings with financial service providers.

We are Member of the American Fair Credit Council (AFCC) and have an A rating with The Better Business Bureau (BBB). We are located in Knoxville, Tennessee.

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Chief Administrative Officer



An alumni of the University of Colorado, Mr. Winters has built a name for himself in the Title and Escrow business; already filling in the role of independent third-party for the Real Estate industry. After heading his own company and extending its reach to title insurance, Mr. Winters saw early on the importance of technological integration in information-critical businesses. Using his vast experience, Mr. Winters built RAM to bring to the finance industry the same vision of values and ethics he has displayed his entire business life.


First establishing himself in Arizona where he joined the State Bar and started his general practice, Mr. Chaya expanded his influence to become Vice President and Counsel for Fidelity National Title Insurance Company. Following his move to California, Mr. Chaya took on a new position as Executive Vice President and general counsel for the nationally-recognized Benefit Land Title Company. In order to better serve the public and his clients, Mr. Chaya specialized in regulatory compliance, working with both the California Department of Insurance and the California Department of Corporations. As a founding member of RAM, Mr. Chaya brings years of expertise to ensure compliance with regulatory protocols in an ever-changing legal environment.


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RAM is an independent company which allows us to maintain a neutral, third-party perspective when it comes to financial transactions between two parties.


412 North Cedar Bluff Road, Suite 400, Knoxville, TN 37923

Main: 949-859-1404

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About Us

We provide payment processing to individuals, as well attorneys, bankruptcy trustees, tax resolution providers, debt resolution providers, social media, medical companies and more. Please note that RAM's services are not available in Oregon.