Chapter 13

Restoring Your Financial Stability

Chapter 13 Bankruptcy allows you to reorganize your debts over a three to five year time period. A good Chapter 13 plan will let you keep your home if you’re facing foreclosure. The amount you’re behind will be caught up over the life of the plan, usually without interest.

A Chapter 13 plan is able to strip off second mortgages when there is no equity backing the loan. A plan can also “stretch out” car payments, often lowering interest and most of the time lowering payments.

Chapter 13 plans will help you pay income tax liability over time and stop interest and penalties from accruing while you do. A plan will allow you to pay your bankruptcy attorney over time so there are little to no fees up front.

In addition to the above benefits a Chapter 13 plan will allow you to protect co-signors, manage your student loan debt and pay other debts what you can afford based on your budget as opposed to under the terms your creditors are demanding now. As with any bankruptcy, immediately upon filing your case creditors must stop all collection activity including: foreclosures, repossessions, garnishments and levies.

Please contact our office today, we can help you file chapter 13 and restore financial stability with one legal low monthly payment.

STOP:

√ Car Repossession

√ High Interest

√ Large Penalties

√ Garnishments

√ Levies

Please call us today to schedule your free office consultation!

What the People are Saying

Kimberly Kramer Attorney

5.0

Based on 311 reviews

review us on

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.

Andrea 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.

KARRIE

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 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 Griffith

15:56 19 Aug 24

Therese 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!

michael McKinnon

14:57 06 Aug 24

Kimberly and her staff were great available to ask questions and easy to understand response aesy to work with and they care about there clients A+ for sure thank you

Amanda Lopez

04:50 02 Aug 24

Kim and her staff were friendly and helpful from the beginning. She made the process so easy and stress free. They were always willing to answer questions and explain everything every step of the way. If anyone is looking for great representation Kimberly is the way to go. I highly recommend her.

Samantha

10:59 23 Jul 24

I searched for an attorney for a long time to help me with my complicated Ch 7 case. From the start, Kimberly was kind and patient. She never once judged me and she made me feel calm and I knew instantly I was in good hands. Kimberly was extremely responsive to any questions I had. I would highly recommend Kimberly and her firm to anyone!! I can’t thank her enough for everything she did to help me get through a very tough time in my life.

shani rasor

15:08 09 Jul 24

Kimberley has been an absolute godsend. I was in desperate need, and other law offices I contacted were fairly rigid in their pricing. Kimberley’s office was the only one who offered a realistic payment plan. She and her staff were always available to answer any of my questions, they made the steps to filing incredibly easy, and I felt supported through the entire process. If anyone is in need of a bankruptcy attorney, I wouldn’t send them anywhere else but here.

Aline Foster

14:59 09 Jul 24

Very happy with the services I got from Kimberly, very professional and she made the process very easy. Great personality too. Would recommend her to anyone.

karen fryske

18:23 25 Jun 24

Kimberly is a wonderful person to have in my life. She's a great listener and very knowledgeable. She treats you like you matter and to her you do. I really enjoyed having her for my lawyer and I now think of her as a friend. I would recommend her to everyone who needs.She's great!

Jennifer Fae

01:36 14 Jun 24

Thank you Kimberly! Because of Mrs. Kramer I am able to breathe again. After my vehicle broke down and another $12,000 to fix it, I had to file. Kimberly was with me the whole way. If you need to file bankruptcy I 100% recommend Kimberly!

Richard Eddy

01:08 12 Jun 24

Kimberly was helpful, very direct with the judge. Definitely excellent at her job. Very efficient,

Nicole Boughner

18:22 11 Jun 24

Kimberly and office staff were amazing in helping us navigate through all of the bankruptcy. Everyone was friendly and down to earth. Fast responses to any questions I had. Would highly recommend.

J Ordiway

17:22 11 Jun 24

Chantal Forman

23:20 05 Jun 24

I should have contacted this woman a couple years ago! I was so afraid to go through with this and thought it would be a horrible mess. With Kimberly's help, this process was so so smooth and stress free. She's also amazingly helpful and doesn't make you feel ashamed of yourself, along with her staff. She makes you feel comfortable, and I loved her personality, it felt like I had known her my whole life! I have NEVER, in years, feel as relieved as I do now. I definitely recommend her, you will NOT REGRET it! So, thank you Kimberly Kramer, for helping me be able to start over with a fresh start as a single parent and get all of this weight off my shoulders. I feel like a brand new me.

Erica Alexander

17:57 04 Jun 24

tacara goodwine

17:36 04 Jun 24

Kimberly Kramer and her staff were very nice and helpful to me during my case. I appreciate her so much and she helped me and guided me in every aspect that needed to be fulfilled. I really enjoyed the service and she’s very outspoken, funny, and truthful. I truly recommend her to help you if you need it 😊

Scott Weidman

19:56 30 May 24

She is a very good attorney! She is willing to answer questions any time and makes you feel comfortable. She is friendly and none judgmental while helping us tremendously!

Keith Boyne

13:13 29 May 24

Kimberly Kramer's office is easy to work with! They treat you like person, not just another client. They respond quickly, know the laws and do a GREAT job. I would highly recommend this office.

Terry Whyte

18:58 24 May 24

Loretta Brade

12:33 23 May 24

If you are looking for an attorney who will be there for you day or night, I highly recommend Kimberly Kramer. When I had questions, no matter the time of day, she reached out with answers and made me feel at ease about the whole process. She makes it very comfortable to talk about your situation and she worked thru the bind I was in and made my future look promising. I would recommend Kimberly Kramer to anyone who is struggling financially, she is there for you.

Bob Kohn

11:27 23 May 24

Highly recommend! I thought it was going to be a stressful experience but they made everything go smoothly. Everyone in the office is so kind and helpful! Thank you so much!!!

Jeremy Hubble

15:48 02 May 24

If anyone is looking for the best bankruptcy attorney Kim is awesome she definitely knows the business and is very upfront and honest about every aspect of the process!!! Thanks again for all your help Kim ..

Josh Schleder

12:02 02 May 24

Kim is amazing, she is straight forward about everything. Kim makes sure your well educated on everything that is going on, definitely recommend kim to anyone needing great bankruptcy lawyer.