Kimberly Kramer, the Compassionate Attorney

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


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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.

    Creditor Harrassment

    Creditor Harrassment

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

    Wage Garnishment

    Wage Garnishment

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

    Unemployment Penalties

    Unemployment Penalties

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

    Ask About Our Frontline Hero Discounts

    Nurses, EMT, Teachers, Police


    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


    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.


    What the People are Saying

    Over 200 Five Star Reviews

    5 Stars
    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!
    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!!!!
    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!!
    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!

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

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