Kimberly Kramer, the Compassionate Attorney

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Accepting New Clients. We Can Handle Your Case at Our Office or by Telephone Conferencing.

FREE PHONE CONSULTATIONS (989) 282-3500

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    We Handle All Types of Bankruptcies – 20 Years Experience

    Repossession or Foreclosure

    Repossession or Foreclosure

    We can stop foreclosure on your house or repossession of your vehicle.

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    Creditor Harrassment

    Creditor Harrassment

    Tired of annoying debt collectors calling? We can stop those pesky phone calls that you dread to hear.

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    Wage Garnishment

    Wage Garnishment

    Frustrated with burdensome wage garnishments? We will get you the solution to stop wage garnishments.

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    Unemployment Penalties

    Unemployment Penalties

    We have solutions to unemployment penalties & restore your financial stability.

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    Ask About Our Frontline Hero Discounts

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    Drowning in debt? Unsure of how to get out?

    Our experienced team, led by legal bankruptcy expert Kimberly Kramer, will guide you through the bankruptcy process and help you get back on stable financial ground.

    Don’t struggle alone! Let Kimberly Kramer help you get out of debt and regain your financial freedom. Our firm has 20 years of experience in counseling struggling clients through financial turmoil, and can help you too. Many people do not realize the numerous options available to escape debt, like Chapter 7 or Chapter 13 bankruptcy petitions.

    Contact our firm today and set up a free office consultation to explore these options and decide which is right for you. With our legal expertise, you CAN overcome debt and enjoy life again!

    Contact Us! (989) 282-3500

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    Convenient Location

    We are right next to the courthouse where your case will be heard & filed. Call Kimberly Kramer for a fast filing! If you are in one of the below counties the Bay City Bankruptcy Courthouse is where your case will be heard.

    Bay City Bankruptcy Courthouse Serving Counties:
    Alcona, Alpena, Arenac, Bay, Cheboygan, Clare, Crawford, Gladwin, Gratiot, Huron, Iosco, Isabella, Midland, Montmorency, Ogemaw, Oscoda, Otsego, Presque Isle, Roscommon, Saginaw, and Tuscola.

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    What the People are Saying

    Over 200 Five Star Reviews

    5 Stars
    Kimberly Kramer Attorney
    Kimberly Kramer Attorney
    5.0
    Based on 279 reviews
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    James MillerJames Miller
    16:40 10 Apr 24
    Was great to work with!
    Loving MemoriesLoving Memories
    12:31 10 Apr 24
    Katheryne SpencerKatheryne Spencer
    20:20 09 Apr 24
    An amazing place. Kimberly is so casual with the way she speaks it calms whatever anxiety you have about the situation. She knows what she's doing, and any confusion she could clarify. The whole process went smoothly for me, I highly recommend her
    Katy velasquezKaty velasquez
    20:18 09 Apr 24
    Kimberly was awesome, helped me understand everything so well & the process was so easy! definitely will recommend her to other people!
    eric nilssoneric nilsson
    21:25 20 Mar 24
    Kimberly Kramer and her staff are very helpful friendly and quick to respond with any help needed during this process. I highly recommend this office.
    Chaunta FordChaunta Ford
    20:13 20 Mar 24
    ​­Attorney Kimberly Kramer is awesome. I was so nervous about doing this. She gave me confidence that I could really get a fresh start. I would recommend her to anyone that was going through what I've been through. She is very efficient. She answered all my questions some even before I asked her, her personality is outstanding and she gets the results! Thank you so much Kimberly Kramer and your office staff. They were awesome as well.Chaunta
    Michael MoeMichael Moe
    18:04 20 Mar 24
    Kimberly made the Bankruptcy process easy on our side. She was professional, thorough and easy to work with. Kimberly explained the process and always outlined next steps. She took a lot of stress out of filing Bankruptcy.
    Kristie MoeKristie Moe
    18:00 20 Mar 24
    Kimberly has been such a blessing to work with. She is compassionate and knowledgeable, works hard for her clients, as well as being patient and thorough. I cannot recommend her highly enough. She took a great deal of stress off my shoulders.
    Allie VigneauxAllie Vigneaux
    17:40 20 Mar 24
    Kimberly Kramer made me feel extremely comfortable in an uncomfortable situation. Made the whole experience go easy. No judgement at all. Would definitely recommend
    Sammi BurrSammi Burr
    17:19 19 Mar 24
    Kim and her office were great to work with. Always there to answer my millions of questions and very easy to work with. 10/10 recommend her to anyone who needs her!! Thank you again for everything!
    Michael CichockiMichael Cichocki
    17:00 19 Mar 24
    Alicia MullettAlicia Mullett
    16:47 19 Mar 24
    Kimberly is Amazing. Kimberly makes the process as easy and simple as possible. She is kind and caring making the time to hear all issues without making you feel like an utter failureThank you Kimberly for the second chance
    Mary KastlMary Kastl
    15:08 13 Mar 24
    AWESOME EXPERIENCE FROM A WONDERFUL ATTORNEY & STAFF. TOP SHELF PROFESSIONAL WITH A GREAT PERSONALITY🆒. 💯%RECCOMEND THIS LAW FIRM .GOD BLESS
    Lisa HodgkinsonLisa Hodgkinson
    15:19 07 Mar 24
    Very understanding person and willing to take the time to explain things.
    Tina JohnsonTina Johnson
    14:51 07 Mar 24
    Kimberly and her staff were very understanding and sincere about the things I was going through. I would highly recommend you pick up the phone and make a call. Great success.
    Julie RenzJulie Renz
    02:46 07 Mar 24
    Miss Kramer made my bankruptcy worry free! She was attentive, informative and very accessible. These are the qualities I was looking for in an attorney. I highly recommend her practice.
    Margie SmithMargie Smith
    21:20 06 Mar 24
    Kimberly was a great lady to work with. She answered our questions with the utmost knowledge. Kim made this case easier to understand.Her staff was very helpful and courteous. Thank you so much ! 5⭐️
    Tonya SmithTonya Smith
    18:53 06 Mar 24
    Received good service from Kimberly would recommend her to anyone. Answers all of the questions you have. Very kind and professional.
    alyssa voelkeralyssa voelker
    17:50 06 Mar 24
    Great experience with kimberly and her office staff. Answered all questions in a timely manner. Would recommend her for her services.
    Brandy ShafferBrandy Shaffer
    15:48 06 Mar 24
    The best bankruptcy lawyer!
    Jason BeattyJason Beatty
    15:56 08 Feb 24
    Very attentive to client needs and timelines! Extremely personable! She seems to actually care, which seems to be hard to find these days! Worth every penny!
    Cate AnuszkiewiczCate Anuszkiewicz
    21:06 07 Feb 24
    Kimberly Kramer is an amazing attorney, she cares about her clients and will make sure, she can do what she can for you. Are experience with her and her team was stress free and easy to work with. If you find yourself filing for bankruptcy for any reason. Call Kimberly Kramer again, she is amazing. We recommend her 100%.
    Micaela RazoMicaela Razo
    21:06 07 Feb 24
    chandra howellchandra howell
    21:00 07 Feb 24
    Attorney Kramer is very compassionate and understanding when it comes to filing for bankruptcy. I've filed with her before and she never made me fill convicted or guilty for having to file again. I am very comfortable with her.
    Jackie HurmenceJackie Hurmence
    18:28 10 Jan 24
    Kimberly was both patient and kind when I was unable to dial in to zoom . She was very knowledgeable and personable to meThank you
    Stephanie MillerStephanie Miller
    18:03 20 Dec 23
    Working with Kimberly was so smooth. She made the whole bankruptcy process clear and a breeze. I would definitely recommend her.
    Kelly BeckKelly Beck
    02:51 20 Dec 23
    Kimberly Kramer is an excellent attorney! She really knows how’s to make her clients feel at ease! Very professional! I highly recommend her!!!
    David AlexanderDavid Alexander
    17:36 19 Dec 23
    Great work I would highly recommend her
    joanne neljoanne nel
    00:25 13 Dec 23
    She made it very easy throughout the whole process. I would highly recommend her to anyone looking to do a bankruptcy
    Letitia BoltLetitia Bolt
    20:24 04 Dec 23
    Kimberly assisted my 80 year old brother who had lost his job. She was very kind and supportive during this difficult time.
    V FV F
    21:04 15 Nov 23
    Once in while you meet a person that restores faith in humanity! Kimberly is everything that others have said compassionate, kind and relatable. She listened to our family's current situation and said we did not have to go into bankruptcy and instead gave me amazing advice. Such a blessing to have met her today, for the first time in a while I will sleep tonight knowing we will be ok because Kimberly is 10 minutes away from my home if we need her.
    Justin MasonJustin Mason
    18:43 25 Oct 23
    When we needed help, Attorney Kimberly Kramer helped us out. She was calm and caring with my wife who is high anxiety and made her feel reassured. She was knowledgeable in how to handle every situation we could throw at her and she advised us of what we should do. We had a great experience. Thank you for your help!
    Wendy SagemanWendy Sageman
    00:23 15 Sep 23
    I could never put into words how kind, courteous and caring Kimberly and her staff are! I debated for month what to do after some illness and carelessness on my part! Kimberly guided me and provided me with compassion and professionalism! I personally could have not found a better attorney!
    Pronana123Pronana123
    00:07 15 Sep 23
    Top notch professional...works for you like you are the only client she has...always kind, honest and thorough...runs a tight office...everyone is on the same page and are more than willing to assist you and your needs...it was a great pleasure working with Kim and her team! I WISH HER ALL THE BEST! 5 stars 🌟 are not enough for her.
    Cynthia McKennaCynthia McKenna
    16:09 07 Sep 23
    I tried my best to pay my creditors but with high interest rates I was just drowning in credit card debt. I always took pride in paying my credit cards on time. It started to become harder every month to pay the monthly bills as it was overwhelming. I dreaded having to deal with paying the cc every month. The stress was too much. Just paying the monthly premium just added to what I owed every month by not paying the Interest. If I payed both there wasn't any money left for me to live on. I felt embarrassed and ashamed that I was in this situation. How did this happen with excellent credit rating? Life happens! Situations arise where I had no choice but to use credit. I had one situation after another that I had to use my cc more than I wanted to. Like the old saying "I was caught between a rock and a hard place!" Thinking I could pay it back within a reasonable time didn't work out for me. I tried the avalanche approach paying more to the lower credit cards. Nothing was working for me but to call a bankruptcy lawyer. The anxiety and stress was out of control for me. I couldn't even sleep at night as this was overbearing. Then I found Kimberly Kramer. I was so nervous with the thought of bankruptcy. When I first met Kimberly she immediately sensed my stress overload and put me at ease. She is a very caring and compassionate person who listened to me and took time explaining the process. She went over my options and what was best for my situation. Just talking to her reassured me that her experience in bankruptcy and knowledge was the person to handle my situation. She was able to calm my storm every step of the way. If I had a question during this process she informed me to not hesitate to call her office. Her staff is very helpful, friendly and knowledgeable as well. Kimberly made herself available to me whenever I needed her. If you are searching for a bankruptcy lawyer Kimberly Kramer is the person to call. I'm so glad I called her. Please don't hesitate. If there was a higher rating than 5 ⭐ I'd give her a 10 ⭐ Thank you Kimberly Kramer for being a caring person.
    timothy giestimothy gies
    16:32 15 Aug 23
    extremely helpful every step of the way. cool and kind and understanding and answered every question i had, sometimes multiple times. her support staff is great too and really helpful. i 100% recommend you hire her.
    Madison EllisonMadison Ellison
    00:49 03 Aug 23
    I was very nervous about everything and I didn’t know where to go, I am SO glad that I found Kimberly! Kimberly exceeded all of my expectations. She was very friendly and explained things clearly. She took care of everything. I highly recommend using her!
    pat murraypat murray
    17:07 01 Aug 23
    Professional, organized, and has an outstanding office staff. Very helpful! This lady and her staff sets the bar for other to emulate! I would have no problem recommending her to anyone that needs help with their affairs!
    Brenda BallBrenda Ball
    18:31 18 Jul 23
    I have worked with several attorneys. Kimberly Kramer is the absolute best. She is confident and very knowledgeable. I received fast response to my inquiry and cannot believe how quickly she resolved my situation! Kimberly Kramer you Rock! Thank you!
    Allyse BrakeAllyse Brake
    00:47 14 Jul 23
    I hired Kimberly for my bankruptcy a couple month ago. She was absolutely amazing! Had my final court date yesterday, I was comfortable knowing she was there with me. She comes highly recommend!
    Lisa TothLisa Toth
    19:50 12 Jul 23
    I met with Kimberly and she was very informative, patient and I didn’t feel rushed when asking questions or making decisions. She comes very highly recommended and I agree, she is the person to see for your needs.I did not end up using any of her services but definitely would if needed in the future.
    Jamie WeissJamie Weiss
    16:32 14 Jun 23
    I was so nervous going into this bankruptcy and Kimberly was great about putting my mind at ease and making the process painless. From the day I filed with her the financial stress in my life has dwindled day by day. She is amazing and made it seem so easy! I highly recommend her if you’re thinking about filing bankruptcy!
    Kathryn DurianKathryn Durian
    15:48 06 Jun 23
    This lawyer is the absolute best. She is super amazing with her clients. I have a very hard time and she made me feel so at ease. I wouldn’t go anywhere else. She gets it done. Thank you Kimberly Kramer for helping me in my time of need, you were a blessing!
    Lyndsi WeiersLyndsi Weiers
    21:37 11 Apr 23
    Kimberly is extremely nice, helpful and understanding! She really takes pride in her work and cares for her clients and their well-being during a difficult time!
    Virginia LakeVirginia Lake
    21:34 07 Apr 23
    Kimberly and her staff are just so helpful! I especially appreciate how she was able to take something like a bankruptcy and make it 100% less stressful without losing her professionalism. I would recommend Ms. Kramer’s office to anyone who asks with complete confidence.
    kim huntleykim huntley
    08:44 24 Mar 23
    Kimberly Kramer is the awesome. I was nervous and embarrassed about my situation she made me feel at ease the minute I walked into her office. Very professional. I would highly recommend reccomend her. She's the best. Thank you Kim
    Devin ThomasDevin Thomas
    02:35 15 Feb 23
    Kimberly Kramer is the absolute best! As young entrepreneurs fighting to make ends meet during the pandemic/inflation period, she not only listened to our story, but also showed that she cares and was supremely confident that we were going to be more than ok. She gave us tools and honest words to assist our needs. Thank you so much for all you have done!
    Tami WhitneyTami Whitney
    18:26 14 Feb 23
    Kimberly Kramer was awesome. Very helpful and efficient and very reasonable. She is a great person and attorney. I thank her from the bottom of my heart. I would refer her in a heartbeat.
    nathan koutznathan koutz
    16:48 14 Feb 23
    Ms Kramer has been an amazing Ch 13 bankruptcy attorney for me. Her office replies to my question concerns in a more than timely manner!!! I am beyond pleased with the services provided!! I encourage all to keep in mind she is an attorney specializing in Bankruptcy. I personally would not want the responsibility…as it is a lot of review paperwork time and effort!! Be well all!!!!
    Sing with Miss SommervilleSing with Miss Sommerville
    23:40 21 Dec 22
    Ms Kramer is a wonderful attorney- friendly, very professional, knowledgeable and detail oriented. She lays everything on the table in a manner understandable to the layperson. She clearly has her clients' best interests at heart and communicates on a regular and timely fashion. Her office staff are also very friendly, professional, and kind. I highly recommend Ms Kramer's practice.
    Brittany JohnsonBrittany Johnson
    17:40 14 Dec 22
    My decision on going to see Kimberly was the best one I could have made. I felt so embarrassed and nervous to have to make such a decision, but after meeting with Kimberly I felt entirely better. Kimberly was very quick and thorough with the work that she does. Not to mention she has an amazing and hilarious personality that makes you feel at ease. I would highly recommend you going to see Kimberly.
    Jill MJill M
    22:20 13 Dec 22
    Over ten years ago, Kimberly was our bankruptcy attorney. I have nothing but rave reviews about her. She's confident, extremely knowledgeable, and compassionate. She held our hand during the entire process and lead us to a successful end result. Last year I requested past information about our bankruptcy and she spent the time fully explaining what I may or may not need and just today she gave me guidance on an inquiry I had. Kimberly is there for you before, during and after your case. Kimberly is the epitome of how an attorney should represent themselves and their client. I have no doubt you'll feel the same. Kimberly is the only attorney I would want next to me during that process. I'd rate her 10+!!!
    Roger AbdellaRoger Abdella
    02:07 24 Nov 22
    Kim Kramer is the best!! She responded quickly to my concerns and gave me confidence during the whole legal procedure. She let me know everything was going to work out. I am so thankful that Kim took me as a client. She is the best in the business
    Brenda CaseyBrenda Casey
    05:36 11 Nov 22
    I was nervous at first because I didn't know what to anticipate. After I received my first phone call from Kimberley, I knew right away she was the best! She isn't "stuffy", she's down to earth, she addressed my concerns and put my mind at ease. I would give Kimberly more than five stars if I could!!
    Shana GlazierShana Glazier
    15:42 13 Sep 22
    Kimberly is the most helpful attorney I contacted for my bankruptcy. She made sure I knew what was going on at ALL times and calmed me down from thinking I would never own anything or have another credit card ever again. She made sure I was okay at every step and even contacted me right after my hearing to discuss what went on, which I wasn’t expecting and was very appreciative of. I was able to be myself with her and she matched my personality, making me even more comfortable. Never made me wait, and also made me feel like I was her only client. She is a great lawyer. She is also a great person, and I didn’t expect to be walking away from this actually LIKING my attorney. This is a five star worthy experience. I’ve never posted a review for anything before but this deserves to be written down. Go with Kimberly if you are looking for a bankruptcy attorney. You won’t be disappointed. Also, very first responder friendly so all my brothers and sisters in EMS/fire/police; if you get in a financial jam and have to file, choose Kimberly!!
    ChachagirlChachagirl
    21:31 26 Aug 22
    If I could give a thousand stars I would 🌟!!Attorney Kimberly Kramer and her wonderful staff were beyond kind.. knowledgeable and very helpful. In a very stressful situation I felt very at ease and confident . Any questions I had were answered in a prompt and friendly way.I highly recommend!🌟🌟🌟🌟🌟
    Jalae UlickiJalae Ulicki
    16:39 24 Aug 22
    Kimberly Kramer is the absolute best! She came recommended to me by both lawyers and judges. She was knowledgeable, patient and understanding. Following my car accident I was at a loss what to do- Kimberly reviewed all my options and gave me the information I needed to make a decision. I would be lost without her. THANK YOU - you are awesome!
    Cheri ShawCheri Shaw
    00:12 12 Aug 22
    Fantastic attorney. Her and her assistants have helped me through every step of the process. Both friendly and professional, and very thorough. She lifted a huge weight off my shoulders.
    Jason GowerJason Gower
    12:58 27 Jul 22
    Kimberly Kramer is a wonderful lawyer and even more fantastic of a human being. If you need someone who can and will understand your situation individually - I 100% recommend her. A valued colleague and most importantly a friend.
    Brennah BoyleBrennah Boyle
    17:32 29 Jun 22
    I would 110% recommended Kimberly and her staff, they are amazing! When you are going through something that is difficult and you have a lot of questions, she definitely goes above and beyond to help you and answers all your questions. Very kind and attentive and extremely helpful. Don’t look for anyone else, I appreciate all of your help!
    Jase LeighJase Leigh
    15:29 21 Jun 22
    The best lawyer ever! She listens very well. She's very intelligent, giving guidance and making sure everything is done correctly and to the t. She really shows that she cares and wants to help. Highly recommend 10 out of 10!
    Kathryn KochKathryn Koch
    00:17 15 Jun 22
    Phenomenal. Professional, efficient, extremely knowledgeable, and wonderful communication. Worth every penny. Highly recommend Ms. Kramer and her colleagues.
    Kathleen NalettKathleen Nalett
    19:35 07 Jun 22
    My first appointment with Kimberly I knew she was the right bankruptcy lawyer for me. She treated me with a compassion and respectful meeting. Kimberly walked me thru the bankruptcy process and explained everything that would take place. Her staff was pleasant and helpful too. I would hire her and her staff in a heartbeat.
    Aaron DeloozeAaron Delooze
    16:11 07 Jun 22
    Kim did a amazing job , quick and now my life can move forward. Thanks so much
    Anthony GatesAnthony Gates
    20:48 28 May 22
    Greatly appreciated Kim Kramer services. She is friendly and perfessional. She took care my bankruptcy quickly and efficiently. I definitely keep in contact with her for other attorney needs as well. A big thank u to Kim and her great staff.
    Scott LScott L
    15:16 24 May 22
    The process with Kimberly was extremely easy. She was easy to work with and took off situations into consideration to make the whole process as smooth as possible. Thank you
    Tracy ConradTracy Conrad
    01:15 20 May 22
    I would highly recommend Kimberly Kramer.She is very knowledgeable and efficient. Kimberly all around did a great job for me.
    Dennis WassenaarDennis Wassenaar
    01:02 20 May 22
    Kimberly and her staff get a A+ in my opinion, they make the process of bankruptcy as painless as possible. If you are thinking about having to do it, give her a call, she'll help you decide the right direction to take and it is bankruptcy she will streamline everything and get you on the right path to building your credit back
    Erin HarmonErin Harmon
    18:45 04 May 22
    Kimberly is a fantastic Attorney, she really cares about her clients and she has helped me through a very tough time, her work ethic is PHENOMENAL she is always a phone call or email away. I would recommend her to anyone.
    Carolyn JeskeCarolyn Jeske
    21:28 22 Apr 22
    I would like to highly recommend Kimberly Kramer to represent you in your legal issues. As a business owner myself you look for qualities in a business and person that you represent yourself. You want polite, easy to talk to, efficient and professional as she is in all these qualities and more! From start to finish she explained everything in detail and made it easy to understand and proficient. Please call for a consultation you will glad you did!
    Diana SchwartzDiana Schwartz
    14:16 24 Mar 22
    She is a excellent attorney! Was so help full. Would recommend for any one looking for and attorney. Took time and explained everything Had a great experience with her help!
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    Kimberly was Amazing as well as her staff from day one. All my emails and questions were answered promptly. Everything was laid out for me and I did not have to guess at anything.

    Jaysen B
    December 2021

    She was friendly and down to earth and got the job done. She explains everything so you understand the whole process.

    Jacob A
    December 2021

    Absolutely hands down the best attorney in the state. Helpful and available for any questions or concerns throughout the entire process. When it feels like the world is against you call her. She will take great care of you. Recommend her to everyone who needs help.

    Glen V
    December 2021

    Attorney Kramer is excellent at what she does. I can't recommend her enough!

    Kristy W.

    Very professional, answered all my questions and very patient.

    Ben RB

    Mrs. Kramer was amazing! She helped me through everything every step of the way with my bankruptcy. I would and will recommend her to anyone looking to file bankruptcy!!!

    James D.

    Kim was very knowledgeable and professional, but more than that, she has wisdom and compassion. I would recommend her to anyone struggling with a possible bankruptcy.

    Leslee J.

    My wife and I couldn't be happier. Kimberly took such great care of us throughout the bankruptcy process.

    Randy S.

    Kimberly and her team took time to answer all my questions and made what could have been stressful so painless.

    Alissa S.
    July 2021

    Kimberly is very responsive and helped us understand the process quickly answering any questions. I highly recommend using her for your needs.

    Lynn M.

    Thank you so much for being patient through my husbands slow time at work and then his lay off. I wish I could of paid you sooner. You made the whole process very painless. I will definitely recommend you to anyone I come across that might need your services. Thanks again!

    Maurie R

    Thank you very much. I will send people to you. You are very good and a person you can trust and very nice person.

    Sara K.

    I want to thank you very much for all the work you have done on my behalf. I recently received your notice to me stating that the court has accepted my plan. This was not very easy for me. I have worked very hard all my life. Hopefully, this economy will not tank any further, and I will be able to keep working steadily. I am looking forward to a "fresh start" for the new year. Thanks again for all your hard work on my behalf.

    Jeffrey W.

    Doug & I want to thank you many times over for being so kind and generous. You just don't know how much this will help us out! You were so easy to talk to. Bless your family.

    Doug & Joann C

    Can't thank you enough for all your help. You're the best!

    Chuck F.

    Just wanted to say, thank you, for all your help. And your staff was very nice and helpful. Thank you

    Antonia R.

    Thank you for all you've done for us. We've been able to relax and enjoy the season without worry or stress.

    Neil K.

    Kim, Jeff and I are so grateful for everything you have done for us. We will never forget your kindness when we were at our lowest. Thank you honey. Love Always.

    Rose G.

    Our clients depend on us and we are dedicated to every case. See how we have helped these clients.

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