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!

Contact Kimberly Kramer

What the People are Saying

Allison stewartAllison 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 mcginnisJoseph 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 HeffnerTammie 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 RogersSamantha Rogers
18:30 03 Apr 25
10/10 recommend! She made the bankruptcy process easy and stress-free!
Caleb TangemanCaleb Tangeman
16:34 19 Mar 25
Process was painless and a huge weight off my chest!
cassandra johnsoncassandra 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 WestRodney West
16:39 06 Mar 25
Jasmyne JordanJasmyne 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 PieckaJeff 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 BernelisAndy 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 SmithKristine 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 HanchettLindsey 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 HanchettGregory 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 PearsonBev 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 NewellAshley 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!
fate83fate83
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 BiggsMaria 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 MichelleWendy 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 PieckaJolene Piecka
22:06 04 Nov 24
Excellent preparation, advice, and focused action plan. Strong recommendations for Kimberly and her office staff!
Jenna VanWormerJenna 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 LooneyDiana 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 BaughmanKaren Baughman
22:55 24 Sep 24
Kimberly was competent, kind & efficient throughout my entire, long process. Thank you.
Joe SmithJoe 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 BaughmanKaren Baughman
00:58 24 Sep 24
Marla BatesMarla 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.
Andrea DubyAndrea Duby
15:18 10 Sep 24
Hands down a great experience. In a stressful situation, Kimberly makes you feel very comfortable. She's understanding, compassionate and extremely knowledgeable. The entire process was made very easy because of who she is as a person and her level expertise. If you find yourself needing a lawyer, there is no one better.
KARRIEKARRIE
21:11 05 Sep 24
Kim and her office staff are very organized and helpful. She really did provide five-star service and I would definitely use her again. I recommend her to anyone who is in need of a bankruptcy lawyer.
Neil DeCaenNeil DeCaen
15:22 30 Aug 24
Kimberly Kramer was great, efficient and knowledgeable in our case. She is also willing to find another attorney to meet whatever your needs are. Couldn't ask for anyone better. Neil and Catherine DeCaen
Sara GriffithSara Griffith
15:56 19 Aug 24
Therese BrownTherese Brown
19:37 08 Aug 24
Kimberly is a breath of fresh air! I was so scared to even think of bankruptcy, but she took the time to explain the whole legal process and even helped me to create a budget to live by. I can't thank her (or her staff) enough for helping me through the roughest time in my life. I felt the weight lifted off my shoulders immediately! Would highly recommend Kimberly Kramer and her legal team!
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