Bankruptcy Law - Kimberly Kramer

A Fresh Financial Start
Through Bankruptcy Law

If you have fallen behind on your mortgage, are facing foreclosure, or feel overwhelmed by credit card debt, Kimberly Kramer, Attorney at Law is here to help. As an experienced bankruptcy attorney serving Bay City and Eastern Michigan, Kimberly provides clear guidance and immediate legal solutions designed to protect you and your future.

For more than 30 years, our firm has worked closely with individuals and families seeking real debt relief through Chapter 7 and Chapter 13 bankruptcy. If you feel like you cannot take the pressure of one more collection call or bill notice, relief may be closer than you think.

When you file a bankruptcy petition, the court issues an Automatic Stay, a powerful legal protection that immediately stops creditor harassment, wage garnishments, repossessions, and foreclosure proceedings. The calls stop. The letters stop. The pressure stops.

Bankruptcy law is designed to give you a fresh start. With the right legal strategy, you can protect your home, safeguard your vehicle, and regain control of your finances with a clear path forward.

Schedule a Free Consultation

How Bankruptcy Law Can Help You Get Relief

Kimberly Kramer helps clients determine whether Chapter 7 or Chapter 13 bankruptcy is the best solution for their unique financial situation. She takes the time to review your circumstances, explain your options clearly, and create a plan designed to protect your future and restore financial stability.

Chapter 7 Bankruptcy

Fast discharge (typically 3–4 months)
Eliminate many unsecured debts
No repayment plan
Ideal for those who qualify by income

Learn About Chapter 7

Chapter 13 Bankruptcy

3–5 year repayment plan
Stop foreclosure or repossession
Catch up on missed payments
Structured monthly payment

Learn About Chapter 13

Eastern Michigan Bankruptcy Cases Are Filed in Bay City

If you reside in one of the Eastern Michigan counties listed below, your bankruptcy case will be filed and heard at the Bay City Bankruptcy Court. Regardless of which of these counties you call home, Bay City is the federal court that handles your case.

Our office is conveniently located near the courthouse, allowing for efficient and timely filings — especially when urgent matters like foreclosure, repossession, or wage garnishment are involved.

Contact Kimberly Kramer today for experienced guidance from a trusted Eastern Michigan bankruptcy attorney who understands the Bay City court system and filing process.

Call Kimberly Kramer

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
- Tuscola

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
- Tuscola

Compassion That Clients Talk About

Trusted by Hundreds Across Eastern Michigan

With over 350 five-star reviews and a perfect 5.0 rating on Google, Kimberly Kramer is one of the
most trusted bankruptcy attorneys in Bay City, Michigan.

Kimberly Kramer Attorney

5.0

Based on 388 reviews

review us on

Janet L.

06:27 21 Feb 26

I would like to give Kimberly Kramer Attorney at Law a 5 Star Review. I was in terrible financial difficulty. I was having a hard time trying to accept that I was going to have to file for bankruptcy. Kimberly helped me get the information needed to complete the bankruptcy. I was so nervous the day I had to appear and she made me feel comfortable while I waited my turn. I am so happy that I was able to get through this with Kimberly helping me all the way. I will be forever grateful.
Thank You again, Janet Loncar

Dale C.

21:56 19 Feb 26

Kimberly is caring ,informative and her professionalism is second to none.

Dakota K.

22:08 18 Feb 26

Errol M.

15:49 17 Feb 26

Great attorney, couldn't have chosen any one better

Natasha B.

21:41 11 Feb 26

Very professional, knowledgeable and always there to answer any and all questions: would highly recommend!

Tia T.

16:08 10 Feb 26

She’s absolutely phenomenal!!! Has been so helpful and actually responds to emails!!! I highly recommend her!!

Sierra G.

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.

Andrew F

13:14 23 Dec 25

Carly S.

13:11 19 Dec 25

Patricia H.

22:15 04 Dec 25

Kimberly and her staff are very nice and courteous and very professional, they made a stressful situation easier to get through

Nate W.

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 H.

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 S.

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 D.

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!

Let's Chat

We’d love to hear from you. We’re on Facebook, make sure to follow. For appointments or legal inquiries, please call our office, or use the contact form.

We understand that taking the first step can feel overwhelming, but you don’t have to face it alone. We look forward to helping you find real relief and a fresh financial start.

Call (989) 282-3500
Text (989) 341-2506

916 Washington Ave
Suite 301
Bay City, MI 48708

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A Fresh Financial Start Through Bankruptcy Law

How Bankruptcy Law Can Help You Get Relief

Eastern Michigan Bankruptcy Cases Are Filed in Bay City

Compassion That Clients Talk About

Let's Chat

A Fresh Financial Start
Through Bankruptcy Law