About

Experience, education and the willingness to take the time to listen to people’s debt issues and financial problems makes Kimberly Kramer the right choice for you. She is “the Compassionate Attorney”.

“I will guide you through the bankruptcy process and help you to get back on stable financial ground.”

– Kimberly A. Kramer

Kimberly A. Kramer is the owner of Kimberly Kramer, P.L.C., a law firm specializing in bankruptcy representation for consumers and small businesses. Ms. Kramer has successfully represented over 5000 consumers and small businesses in Bankruptcy Cases since 1998.

After graduating from Michigan State University with a Bachelor’s of Science in Social Sciences, Ms. Kramer graduated from Valparaiso University School of Law in the top fifth of her class. She participated in an externship with the United States Bankruptcy Court for the Northern District of Indiana. She also interned at Dow Corning in their finance law section during their chapter 11 days.

Ms. Kramer was a founding member of Jacobs & Kramer, P.L.L.C. where she practiced for four years before opening her own practice in 2006. She practiced primarily in consumer bankruptcy but also represented people in misdemeanor criminal charges, divorce work, collections, small estate planning and a few personal injuries. She became a partner after two years. The firm, Jacobs & Kramer, split in 2006. She remains at the Bay City office.

Ms. Kramer is an active attorney on the pro bono roster for Legal Services of Eastern Michigan where she has committed to representing at least twelve debtors per year on a pro bono basis, and has assisted in training staff attorneys to practice bankruptcy law.

Ms. Kramer attends professional education seminars at least semi-monthly. She also participates in speaking events with her associations and frequently contributes scholarly writings to them.


Education

    • Michigan State University – B.S., Social Sciences (1994)
    • Valparaiso University School of Law

– Highest honors in Banking & Finance Law, Contracts Law and Law & Economics

Bar Admissions

  • District and Circuit Courts for the State of Michigan
  • United States Federal Court, Eastern Districts of Michigan
  • United States Federal Court, Western Districts of Michigan

Professional Associations

  • Federal Bar Association
  • State Bar of Michigan
  • Bay County Bar Association
  • American Bankruptcy Institute
  • National Association of Consumer Bankruptcy Attorneys
  • Consumer Bankruptcy Association
  • National Association of Bankruptcy Trustees

Presentations and Affiliations

  • Davenport University Teaching Business Law I and II, Adjunct Faculty Member
  • American Bankruptcy Institute, Spoken at numerous seminars and published articles
  • ICLE, Spoken at numerous events and published articles
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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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Please call us today to schedule your free office consultation!

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What the People are Saying

5.0
Based on 381 reviews
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Sierra Giles
13:47 07 Jan 26
Kimberly Kramer was great! I was in over my head in debt. I was hesitant to file since I’ve always heard negative things about bankruptcy. After my consult with Kimberly, I walked out of her office feeling better already. The filing process was smooth and easy. I am so glad that I decided to go this route. I felt a huge waive of relief as soon as I filed. I would highly recommend her.
Nate Wachowiak
18:47 18 Nov 25
My experience with Kimberly's firm was extremely helpful! Very thorough. Helped me with any and all concerns. Helped me understand my situation and solution. Patient and down to earth with no judgements. Made it very easy on me beginning to end with very little homework. Because of her expertease and time, she saved me from a debit I was drowning in on top of a very difficult time in my life. Words can't explain the graditude and relief I now have! THANK YOU!
Kathryn Hatmaker
18:28 18 Nov 25
I wish I could give Kimberly 10 stars. She is so kind, and understanding. I feel like she could do her job with her eyes closed! She is so good at what she does. She truly is The Compassionate Lawyer. Her entire team is wonderful. They made what was a stressful overall situation- not stressful at all. She took the time to answer all my questions and concerns. I recommend her 100 %. Wish I would have found her sooner! But I’m so grateful she ended up taking my case. She is definitely worth waiting for!
Michaela Stirrett
18:18 18 Nov 25
Kimberly is amazing to work with. She responds in an excellent time frame and if she is not able to get back to you directly, her staff is willing to help get any answers as well. Any questions she was more than happy to answer and did to the best of her ability. She calmed any doubts and talked through the bankruptcy process and explained everything so we could understand. I highly recommend her as a lawyer.
Danelle Decorte
17:09 03 Sep 25
Kimberly Kramer was absolutely amazing throughout this entire experience. She was kind, considerate, and truly took the time to listen to our situation. Since this was all brand new to us, she patiently explained every detail and answered all of our questions. Her advice and guidance along the way were so helpful and reassuring.

Kimberly and her office staff were also excellent at communicating, always responding quickly to our questions and concerns. I would recommend Kimberly’s office 1000%—you will not be disappointed. She was such a pleasure to work with!
Allison stewart
18:01 08 May 25
Kimberly Kramer made filing for bankruptcy the easiest thing I have ever done. I had so much fear going into it but her and her team made it so easy. Everyone is amazing at what they do in her office. I would recommend her to everyone!!!
Joseph mcginnis
04:57 15 Apr 25
Kimberly Kramer and her office made the process very smooth. They were very professional and was very easy to talk to. they also answered all my questions in a timely manner.
Tammie Heffner
18:02 08 Apr 25
Thank you so much we learn something new even today that was so helpful and really appreciated all you have done to help us during this time in our life!!!!!
Samantha Rogers
18:30 03 Apr 25
10/10 recommend! She made the bankruptcy process easy and stress-free!
Caleb Tangeman
16:34 19 Mar 25
Process was painless and a huge weight off my chest!
cassandra johnson
10:23 18 Mar 25
I had the pleasure of having Kimberly Kramer as my attorney. She is a skilled professional and made this experience as easy as possible. Highly recommend!!
Rodney West
16:39 06 Mar 25
Jasmyne Jordan
23:41 20 Feb 25
Kimberly Kramer and her staff are beyond amazing, work fast, they get the job done. Leaves no question unanswered, no issue unresolved. I have been so stressed out with my financial situation and they have explained everything to me from start to finish, quick responses via phone and email. Thank you all sooooooo much I’m forever grateful!
Jeff Piecka
21:30 20 Feb 25
Kim Kramer is a fantastic attorney! She was ALWAYS honest and upfront regarding what to expect and she never tried to sugar coat anything. I would recommend Kim to anyone even considering Bankruptcy and let her give her professional opinion regarding your options.
Andy Bernelis
21:33 22 Jan 25
Very helpful and friendly staff, was a painless process all the way through. Thank you, Kimberly, Amber and Valerie!
Kristine Smith
23:24 19 Dec 24
Kimberly Kramer is excellent. I was so stressed when I went to see her I’m so glad she was able to help me. I would definitely tell people about her and I strongly recommend getting Kimberly to do your bankruptcy.
Lindsey Hanchett
17:49 16 Dec 24
I highly recommend Kimberly. She didn’t make me feel embarrassed or ashamed for going through rough times. She truly wants to help people.
Gregory Hanchett
16:37 16 Dec 24
100% recommend this place! They were very professional. Very compassionate. They got back with me very fast with every question and concerns I had. The whole process from start to finish was a big burden lifted. We even left the office with a couple hundred extra dollars that wasn’t expected, and very appreciated! Thanks again from the both of us!!
Bev Pearson
15:49 16 Dec 24
The staff are friendly and very fast to respond to any questions, concerns or issues we had a long the way. They made filing bankruptcy fast and with as little stress as possible.
Ashley Newell
17:35 12 Dec 24
Kimberly and her team really made this whole process as simplified as possible. The level of knowledge and compassion shown really eases your mental load and makes you feel heard and seen during a difficult time. I could not recommend them more!
fate83
20:00 10 Dec 24
She did amazing with my bankruptcy and helped me in a lot of ways. She’s also reasonable price and she’s good at working with you.
Maria Biggs
01:40 22 Nov 24
Kimberly Kramer and her staff are above and beyond fantastic! They were all amazing, knowledgeable and professional. Kimberly made the process so smooth and stress free. She is so understandable, compassionate and very attentive to her clients needs. I highly recommend her 100%.
Wendy Michelle
20:52 12 Nov 24
When I read the reviews about Kimberly Kramer Attorney here on Google, I knew SHE was who I needed to call. And she did not disappoint! I have officially joined the ranks of those who feared for their future when they walked in her office, BUT then were met with a confident, compassionate and capable human being who took all that fear away. I can't thank you enough for walking this mile with me. I have hope for my future again!!!
Jolene Piecka
22:06 04 Nov 24
Excellent preparation, advice, and focused action plan. Strong recommendations for Kimberly and her office staff!
Jenna VanWormer
15:18 19 Oct 24
Kimberly Kramer and her staff were amazing! Was a difficult time for me and they helped me through the process and made me feel comfortable and unashamed. Her personality is awesome and down to earth, made me feel welcomed and confident in a situation where I previously did not. Extremely grateful for Kimberly Kramer and her people! Highly recommend!
Diana Looney
19:48 26 Sep 24
Thank you Kimberly for helping me to know where I stand with filing for bankruptcy. You were honest and to the point and I appreciate that. I will highly recommend you in the future to anyone who needs a great attorney. Thank you ❤️
Karen Baughman
22:55 24 Sep 24
Kimberly was competent, kind & efficient throughout my entire, long process. Thank you.
Joe Smith
11:32 24 Sep 24
I highly recommend Kimberly Kramer ,Her and her staff were all very friendly and professional, they made what I thought was going to be a stressful and difficult situation, very easy and comfortable every step of the way ,especially in court. Thank you Kimberly and staff.
Karen Baughman
00:58 24 Sep 24
Marla Bates
01:56 11 Sep 24
Ms. Kramer was very nice and explained the procedure very efficiently. She really put me at ease to where I didn't have to worry or stress about anything. She took care of everything and answered any questions I had with certainty. She also followed up after every meeting to make sure I was satisfied and understood everything. I'd recommend her to anybody thinking about bankruptcy.
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