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 279 reviews

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James Miller

16:40 10 Apr 24

Was great to work with!

Loving Memories

12:31 10 Apr 24

Katheryne Spencer

20:20 09 Apr 24

An amazing place. Kimberly is so casual with the way she speaks it calms whatever anxiety you have about the situation. She knows what she's doing, and any confusion she could clarify. The whole process went smoothly for me, I highly recommend her

Katy velasquez

20:18 09 Apr 24

Kimberly was awesome, helped me understand everything so well & the process was so easy! definitely will recommend her to other people!

eric nilsson

21:25 20 Mar 24

Kimberly Kramer and her staff are very helpful friendly and quick to respond with any help needed during this process. I highly recommend this office.

Chaunta Ford

20:13 20 Mar 24

Attorney Kimberly Kramer is awesome. I was so nervous about doing this. She gave me confidence that I could really get a fresh start. I would recommend her to anyone that was going through what I've been through. She is very efficient. She answered all my questions some even before I asked her, her personality is outstanding and she gets the results! Thank you so much Kimberly Kramer and your office staff. They were awesome as well.Chaunta

Michael Moe

18:04 20 Mar 24

Kimberly made the Bankruptcy process easy on our side. She was professional, thorough and easy to work with. Kimberly explained the process and always outlined next steps. She took a lot of stress out of filing Bankruptcy.

Kristie Moe

18:00 20 Mar 24

Kimberly has been such a blessing to work with. She is compassionate and knowledgeable, works hard for her clients, as well as being patient and thorough. I cannot recommend her highly enough. She took a great deal of stress off my shoulders.

Allie Vigneaux

17:40 20 Mar 24

Kimberly Kramer made me feel extremely comfortable in an uncomfortable situation. Made the whole experience go easy. No judgement at all. Would definitely recommend

Sammi Burr

17:19 19 Mar 24

Kim and her office were great to work with. Always there to answer my millions of questions and very easy to work with. 10/10 recommend her to anyone who needs her!! Thank you again for everything!

Michael Cichocki

17:00 19 Mar 24

Alicia Mullett

16:47 19 Mar 24

Kimberly is Amazing. Kimberly makes the process as easy and simple as possible. She is kind and caring making the time to hear all issues without making you feel like an utter failureThank you Kimberly for the second chance

Mary Kastl

15:08 13 Mar 24

AWESOME EXPERIENCE FROM A WONDERFUL ATTORNEY & STAFF. TOP SHELF PROFESSIONAL WITH A GREAT PERSONALITY🆒. 💯%RECCOMEND THIS LAW FIRM .GOD BLESS

Lisa Hodgkinson

15:19 07 Mar 24

Very understanding person and willing to take the time to explain things.

Tina Johnson

14:51 07 Mar 24

Kimberly and her staff were very understanding and sincere about the things I was going through. I would highly recommend you pick up the phone and make a call. Great success.

Julie Renz

02:46 07 Mar 24

Miss Kramer made my bankruptcy worry free! She was attentive, informative and very accessible. These are the qualities I was looking for in an attorney. I highly recommend her practice.

Margie Smith

21:20 06 Mar 24

Kimberly was a great lady to work with. She answered our questions with the utmost knowledge. Kim made this case easier to understand.Her staff was very helpful and courteous. Thank you so much ! 5⭐️

Tonya Smith

18:53 06 Mar 24

Received good service from Kimberly would recommend her to anyone. Answers all of the questions you have. Very kind and professional.

alyssa voelker

17:50 06 Mar 24

Great experience with kimberly and her office staff. Answered all questions in a timely manner. Would recommend her for her services.

Brandy Shaffer

15:48 06 Mar 24

The best bankruptcy lawyer!

Jason Beatty

15:56 08 Feb 24

Very attentive to client needs and timelines! Extremely personable! She seems to actually care, which seems to be hard to find these days! Worth every penny!

Cate Anuszkiewicz

21:06 07 Feb 24

Kimberly Kramer is an amazing attorney, she cares about her clients and will make sure, she can do what she can for you. Are experience with her and her team was stress free and easy to work with. If you find yourself filing for bankruptcy for any reason. Call Kimberly Kramer again, she is amazing. We recommend her 100%.

Micaela Razo

21:06 07 Feb 24

chandra howell

21:00 07 Feb 24

Attorney Kramer is very compassionate and understanding when it comes to filing for bankruptcy. I've filed with her before and she never made me fill convicted or guilty for having to file again. I am very comfortable with her.

Jackie Hurmence

18:28 10 Jan 24

Kimberly was both patient and kind when I was unable to dial in to zoom . She was very knowledgeable and personable to meThank you

Stephanie Miller

18:03 20 Dec 23

Working with Kimberly was so smooth. She made the whole bankruptcy process clear and a breeze. I would definitely recommend her.

Kelly Beck

02:51 20 Dec 23

Kimberly Kramer is an excellent attorney! She really knows how’s to make her clients feel at ease! Very professional! I highly recommend her!!!

David Alexander

17:36 19 Dec 23

Great work I would highly recommend her

joanne nel

00:25 13 Dec 23

She made it very easy throughout the whole process. I would highly recommend her to anyone looking to do a bankruptcy

Letitia Bolt

20:24 04 Dec 23

Kimberly assisted my 80 year old brother who had lost his job. She was very kind and supportive during this difficult time.

V F

21:04 15 Nov 23

Once in while you meet a person that restores faith in humanity! Kimberly is everything that others have said compassionate, kind and relatable. She listened to our family's current situation and said we did not have to go into bankruptcy and instead gave me amazing advice. Such a blessing to have met her today, for the first time in a while I will sleep tonight knowing we will be ok because Kimberly is 10 minutes away from my home if we need her.

Justin Mason

18:43 25 Oct 23

When we needed help, Attorney Kimberly Kramer helped us out. She was calm and caring with my wife who is high anxiety and made her feel reassured. She was knowledgeable in how to handle every situation we could throw at her and she advised us of what we should do. We had a great experience. Thank you for your help!

Wendy Sageman

00:23 15 Sep 23

I could never put into words how kind, courteous and caring Kimberly and her staff are! I debated for month what to do after some illness and carelessness on my part! Kimberly guided me and provided me with compassion and professionalism! I personally could have not found a better attorney!

Pronana123

00:07 15 Sep 23

Top notch professional...works for you like you are the only client she has...always kind, honest and thorough...runs a tight office...everyone is on the same page and are more than willing to assist you and your needs...it was a great pleasure working with Kim and her team! I WISH HER ALL THE BEST! 5 stars 🌟 are not enough for her.

Cynthia McKenna

16:09 07 Sep 23

I tried my best to pay my creditors but with high interest rates I was just drowning in credit card debt. I always took pride in paying my credit cards on time. It started to become harder every month to pay the monthly bills as it was overwhelming. I dreaded having to deal with paying the cc every month. The stress was too much. Just paying the monthly premium just added to what I owed every month by not paying the Interest. If I payed both there wasn't any money left for me to live on. I felt embarrassed and ashamed that I was in this situation. How did this happen with excellent credit rating? Life happens! Situations arise where I had no choice but to use credit. I had one situation after another that I had to use my cc more than I wanted to. Like the old saying "I was caught between a rock and a hard place!" Thinking I could pay it back within a reasonable time didn't work out for me. I tried the avalanche approach paying more to the lower credit cards. Nothing was working for me but to call a bankruptcy lawyer. The anxiety and stress was out of control for me. I couldn't even sleep at night as this was overbearing. Then I found Kimberly Kramer. I was so nervous with the thought of bankruptcy. When I first met Kimberly she immediately sensed my stress overload and put me at ease. She is a very caring and compassionate person who listened to me and took time explaining the process. She went over my options and what was best for my situation. Just talking to her reassured me that her experience in bankruptcy and knowledge was the person to handle my situation. She was able to calm my storm every step of the way. If I had a question during this process she informed me to not hesitate to call her office. Her staff is very helpful, friendly and knowledgeable as well. Kimberly made herself available to me whenever I needed her. If you are searching for a bankruptcy lawyer Kimberly Kramer is the person to call. I'm so glad I called her. Please don't hesitate. If there was a higher rating than 5 ⭐ I'd give her a 10 ⭐ Thank you Kimberly Kramer for being a caring person.

timothy gies

16:32 15 Aug 23

extremely helpful every step of the way. cool and kind and understanding and answered every question i had, sometimes multiple times. her support staff is great too and really helpful. i 100% recommend you hire her.

Madison Ellison

00:49 03 Aug 23

I was very nervous about everything and I didn’t know where to go, I am SO glad that I found Kimberly! Kimberly exceeded all of my expectations. She was very friendly and explained things clearly. She took care of everything. I highly recommend using her!

pat murray

17:07 01 Aug 23

Professional, organized, and has an outstanding office staff. Very helpful! This lady and her staff sets the bar for other to emulate! I would have no problem recommending her to anyone that needs help with their affairs!

Brenda Ball

18:31 18 Jul 23

I have worked with several attorneys. Kimberly Kramer is the absolute best. She is confident and very knowledgeable. I received fast response to my inquiry and cannot believe how quickly she resolved my situation! Kimberly Kramer you Rock! Thank you!

Allyse Brake

00:47 14 Jul 23

I hired Kimberly for my bankruptcy a couple month ago. She was absolutely amazing! Had my final court date yesterday, I was comfortable knowing she was there with me. She comes highly recommend!

Lisa Toth

19:50 12 Jul 23

I met with Kimberly and she was very informative, patient and I didn’t feel rushed when asking questions or making decisions. She comes very highly recommended and I agree, she is the person to see for your needs.I did not end up using any of her services but definitely would if needed in the future.

Jamie Weiss

16:32 14 Jun 23

I was so nervous going into this bankruptcy and Kimberly was great about putting my mind at ease and making the process painless. From the day I filed with her the financial stress in my life has dwindled day by day. She is amazing and made it seem so easy! I highly recommend her if you’re thinking about filing bankruptcy!

Kathryn Durian

15:48 06 Jun 23

This lawyer is the absolute best. She is super amazing with her clients. I have a very hard time and she made me feel so at ease. I wouldn’t go anywhere else. She gets it done. Thank you Kimberly Kramer for helping me in my time of need, you were a blessing!

Lyndsi Weiers

21:37 11 Apr 23

Kimberly is extremely nice, helpful and understanding! She really takes pride in her work and cares for her clients and their well-being during a difficult time!

Virginia Lake

21:34 07 Apr 23

Kimberly and her staff are just so helpful! I especially appreciate how she was able to take something like a bankruptcy and make it 100% less stressful without losing her professionalism. I would recommend Ms. Kramer’s office to anyone who asks with complete confidence.

kim huntley

08:44 24 Mar 23

Kimberly Kramer is the awesome. I was nervous and embarrassed about my situation she made me feel at ease the minute I walked into her office. Very professional. I would highly recommend reccomend her. She's the best. Thank you Kim

Devin Thomas

02:35 15 Feb 23

Kimberly Kramer is the absolute best! As young entrepreneurs fighting to make ends meet during the pandemic/inflation period, she not only listened to our story, but also showed that she cares and was supremely confident that we were going to be more than ok. She gave us tools and honest words to assist our needs. Thank you so much for all you have done!

Tami Whitney

18:26 14 Feb 23

Kimberly Kramer was awesome. Very helpful and efficient and very reasonable. She is a great person and attorney. I thank her from the bottom of my heart. I would refer her in a heartbeat.

nathan koutz

16:48 14 Feb 23

Ms Kramer has been an amazing Ch 13 bankruptcy attorney for me. Her office replies to my question concerns in a more than timely manner!!! I am beyond pleased with the services provided!! I encourage all to keep in mind she is an attorney specializing in Bankruptcy. I personally would not want the responsibility…as it is a lot of review paperwork time and effort!! Be well all!!!!

Sing with Miss Sommerville

23:40 21 Dec 22

Ms Kramer is a wonderful attorney- friendly, very professional, knowledgeable and detail oriented. She lays everything on the table in a manner understandable to the layperson. She clearly has her clients' best interests at heart and communicates on a regular and timely fashion. Her office staff are also very friendly, professional, and kind. I highly recommend Ms Kramer's practice.

Brittany Johnson

17:40 14 Dec 22

My decision on going to see Kimberly was the best one I could have made. I felt so embarrassed and nervous to have to make such a decision, but after meeting with Kimberly I felt entirely better. Kimberly was very quick and thorough with the work that she does. Not to mention she has an amazing and hilarious personality that makes you feel at ease. I would highly recommend you going to see Kimberly.

Jill M

22:20 13 Dec 22

Over ten years ago, Kimberly was our bankruptcy attorney. I have nothing but rave reviews about her. She's confident, extremely knowledgeable, and compassionate. She held our hand during the entire process and lead us to a successful end result. Last year I requested past information about our bankruptcy and she spent the time fully explaining what I may or may not need and just today she gave me guidance on an inquiry I had. Kimberly is there for you before, during and after your case. Kimberly is the epitome of how an attorney should represent themselves and their client. I have no doubt you'll feel the same. Kimberly is the only attorney I would want next to me during that process. I'd rate her 10+!!!

Roger Abdella

02:07 24 Nov 22

Kim Kramer is the best!! She responded quickly to my concerns and gave me confidence during the whole legal procedure. She let me know everything was going to work out. I am so thankful that Kim took me as a client. She is the best in the business

Brenda Casey

05:36 11 Nov 22

I was nervous at first because I didn't know what to anticipate. After I received my first phone call from Kimberley, I knew right away she was the best! She isn't "stuffy", she's down to earth, she addressed my concerns and put my mind at ease. I would give Kimberly more than five stars if I could!!

Shana Glazier

15:42 13 Sep 22

Kimberly is the most helpful attorney I contacted for my bankruptcy. She made sure I knew what was going on at ALL times and calmed me down from thinking I would never own anything or have another credit card ever again. She made sure I was okay at every step and even contacted me right after my hearing to discuss what went on, which I wasn’t expecting and was very appreciative of. I was able to be myself with her and she matched my personality, making me even more comfortable. Never made me wait, and also made me feel like I was her only client. She is a great lawyer. She is also a great person, and I didn’t expect to be walking away from this actually LIKING my attorney. This is a five star worthy experience. I’ve never posted a review for anything before but this deserves to be written down. Go with Kimberly if you are looking for a bankruptcy attorney. You won’t be disappointed. Also, very first responder friendly so all my brothers and sisters in EMS/fire/police; if you get in a financial jam and have to file, choose Kimberly!!

Chachagirl

21:31 26 Aug 22

If I could give a thousand stars I would 🌟!!Attorney Kimberly Kramer and her wonderful staff were beyond kind.. knowledgeable and very helpful. In a very stressful situation I felt very at ease and confident . Any questions I had were answered in a prompt and friendly way.I highly recommend!🌟🌟🌟🌟🌟

Jalae Ulicki

16:39 24 Aug 22

Kimberly Kramer is the absolute best! She came recommended to me by both lawyers and judges. She was knowledgeable, patient and understanding. Following my car accident I was at a loss what to do- Kimberly reviewed all my options and gave me the information I needed to make a decision. I would be lost without her. THANK YOU - you are awesome!

Cheri Shaw

00:12 12 Aug 22

Fantastic attorney. Her and her assistants have helped me through every step of the process. Both friendly and professional, and very thorough. She lifted a huge weight off my shoulders.

Jason Gower

12:58 27 Jul 22

Kimberly Kramer is a wonderful lawyer and even more fantastic of a human being. If you need someone who can and will understand your situation individually - I 100% recommend her. A valued colleague and most importantly a friend.

Brennah Boyle

17:32 29 Jun 22

I would 110% recommended Kimberly and her staff, they are amazing! When you are going through something that is difficult and you have a lot of questions, she definitely goes above and beyond to help you and answers all your questions. Very kind and attentive and extremely helpful. Don’t look for anyone else, I appreciate all of your help!

Jase Leigh

15:29 21 Jun 22

The best lawyer ever! She listens very well. She's very intelligent, giving guidance and making sure everything is done correctly and to the t. She really shows that she cares and wants to help. Highly recommend 10 out of 10!

Kathryn Koch

00:17 15 Jun 22

Phenomenal. Professional, efficient, extremely knowledgeable, and wonderful communication. Worth every penny. Highly recommend Ms. Kramer and her colleagues.

Kathleen Nalett

19:35 07 Jun 22

My first appointment with Kimberly I knew she was the right bankruptcy lawyer for me. She treated me with a compassion and respectful meeting. Kimberly walked me thru the bankruptcy process and explained everything that would take place. Her staff was pleasant and helpful too. I would hire her and her staff in a heartbeat.

Aaron Delooze

16:11 07 Jun 22

Kim did a amazing job , quick and now my life can move forward. Thanks so much

Anthony Gates

20:48 28 May 22

Greatly appreciated Kim Kramer services. She is friendly and perfessional. She took care my bankruptcy quickly and efficiently. I definitely keep in contact with her for other attorney needs as well. A big thank u to Kim and her great staff.

Scott L

15:16 24 May 22

The process with Kimberly was extremely easy. She was easy to work with and took off situations into consideration to make the whole process as smooth as possible. Thank you

Tracy Conrad

01:15 20 May 22

I would highly recommend Kimberly Kramer.She is very knowledgeable and efficient. Kimberly all around did a great job for me.

Dennis Wassenaar

01:02 20 May 22

Kimberly and her staff get a A+ in my opinion, they make the process of bankruptcy as painless as possible. If you are thinking about having to do it, give her a call, she'll help you decide the right direction to take and it is bankruptcy she will streamline everything and get you on the right path to building your credit back

Erin Harmon

18:45 04 May 22

Kimberly is a fantastic Attorney, she really cares about her clients and she has helped me through a very tough time, her work ethic is PHENOMENAL she is always a phone call or email away. I would recommend her to anyone.

Carolyn Jeske

21:28 22 Apr 22

I would like to highly recommend Kimberly Kramer to represent you in your legal issues. As a business owner myself you look for qualities in a business and person that you represent yourself. You want polite, easy to talk to, efficient and professional as she is in all these qualities and more! From start to finish she explained everything in detail and made it easy to understand and proficient. Please call for a consultation you will glad you did!

Diana Schwartz

14:16 24 Mar 22

She is a excellent attorney! Was so help full. Would recommend for any one looking for and attorney. Took time and explained everything Had a great experience with her help!