If you are considering filling for Chapter 13 in Michigan, Attorney Kimberly Kramer can help you develop a manageable repayment plan that fits your financial situation, while also protecting your assets.
Filing for Chapter 13 bankruptcy can be a strategic decision for individuals seeking to save their home or car from foreclosure or repossession. Unlike Chapter 7 bankruptcy, which involves liquidating assets, Chapter 13 allows debtors to reorganize their financial obligations and establish a repayment plan over three to five years.
STOP:
√ Car Repossession √ Home Foreclosure
√ High Interest √ Large Penalties
√ Garnishments √ Levies
Keep Your House or Car
This plan enables individuals to catch up on missed mortgage or car loan payments while maintaining ownership of their property. A significant advantage of Chapter 13 is the automatic stay, which halts foreclosure or repossession proceedings, providing immediate relief and an opportunity to address arrears.
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.
Contact the Compassionate Attorney
Attorney Kimberly Kramer is a seasoned expert in bankruptcy law, specializing in guiding clients through the complexities of Chapter 13 proceedings. With her extensive knowledge and compassionate approach, Kimberly offers personalized legal strategies tailored to each client’s unique financial situation. She assists in developing feasible repayment plans, ensuring all legal requirements are met, and advocating on behalf of her clients to protect their interests. Her dedication to providing clear, understandable guidance empowers individuals to regain financial stability and peace of mind.
Please call us today to schedule your free office consultation!
What the People are Saying
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!
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.
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%.
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!!!
Excellent preparation, advice, and focused action plan. Strong recommendations for Kimberly and her office staff!
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!
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 ❤️
Kimberly was competent, kind & efficient throughout my entire, long process. Thank you.
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.
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.
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.
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.
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
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!
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
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.
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.
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.
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.
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!
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!
Kimberly was helpful, very direct with the judge. Definitely excellent at her job. Very efficient,
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.
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.
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 😊
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!
