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

Chapter 13 Bankruptcy

Please call us today to schedule your free office consultation!

Contact Kimberly Kramer

What the People are Saying

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!
michael McKinnonmichael 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 LopezAmanda 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.
SamanthaSamantha
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 rasorshani 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 FosterAline 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 fryskekaren 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 FaeJennifer 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 EddyRichard Eddy
01:08 12 Jun 24
Kimberly was helpful, very direct with the judge. Definitely excellent at her job. Very efficient,
Nicole BoughnerNicole 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 OrdiwayJ Ordiway
17:22 11 Jun 24
Chantal FormanChantal 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 AlexanderErica Alexander
17:57 04 Jun 24
tacara goodwinetacara 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 WeidmanScott 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 BoyneKeith 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 WhyteTerry Whyte
18:58 24 May 24
Loretta BradeLoretta 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 KohnBob 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 HubbleJeremy 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 SchlederJosh 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.
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