“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
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- 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
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.
Please call us today to schedule your free office consultation!
What the People are Saying
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!
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.
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.
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.
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!
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!
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!
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!
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.
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!
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!
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!
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.
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
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!
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.
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.
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.
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+!!!
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
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!!
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!!
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!🌟🌟🌟🌟🌟
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!
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.
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.
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!
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!
Phenomenal. Professional, efficient, extremely knowledgeable, and wonderful communication. Worth every penny. Highly recommend Ms. Kramer and her colleagues.
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.
Kim did a amazing job , quick and now my life can move forward. Thanks so much
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.
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
I would highly recommend Kimberly Kramer.She is very knowledgeable and efficient. Kimberly all around did a great job for me.
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
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.
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!
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!
