Chapter 13 Bankruptcy - Kimberly Kramer

Chapter 13 Bankruptcy
Filing in Michigan

If you are considering filing for Chapter 13 bankruptcy in Michigan, Attorney Kimberly Kramer can help you create a manageable repayment plan tailored to your financial situation while protecting the assets that matter most to you.

Chapter 13 bankruptcy can be a strategic solution for individuals who want to save their home from foreclosure or prevent vehicle repossession. Unlike Chapter 7 bankruptcy, which may involve the liquidation of certain assets, Chapter 13 allows you to reorganize your debts and establish a structured repayment plan lasting three to five years. This approach gives you the opportunity to catch up on missed payments and regain financial stability while keeping your property.

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How Chapter 13 Bankruptcy Works in Michigan

Chapter 13 bankruptcy is designed for individuals with regular income who need time and structure to repay debts. Instead of eliminating debt immediately, you enter into a court-approved repayment plan that typically lasts 3–5 years.
Here’s how it works:
• You make one manageable monthly payment
• A bankruptcy trustee distributes payments to creditors
• You catch up on mortgage or car loan arrears
• You remain protected from collection actions
This legal structure allows you to regain control of your finances while keeping your property.

The Automatic Stay – Immediate Protection
One of the most powerful benefits of filing Chapter 13 bankruptcy in Michigan is the Automatic Stay. Immediately upon filing your case, the court issues an order that requires creditors to stop collection actions, including foreclosure proceedings, vehicle repossessions, wage garnishments, creditor harassment, and collection lawsuits or levies. The calls stop. The letters stop. The pressure stops. This immediate protection gives you the breathing room you need to move forward with a clear, manageable plan for your financial future.

Benefits of Filing Chapter 13

Stop foreclosure immediately
Stop car repossession
Stop wage garnishment
Stop creditor harassment
Catch up on missed mortgage payments
Potentially reduce car loan interest
Strip off second mortgages (when applicable)
Pay back taxes over time
Protect co-signers

Who Qualifies for Chapter 13 Bankruptcy?

You have regular income
Your debts fall within federal limits
You want to catch up on secured debts
You need protection from foreclosure or garnishment

During a consultation, Kimberly Kramer will review your income, assets, debts, and long-term goals to determine whether Chapter 13 is the best path forward.

Filing Chapter 13 at the Bay City Bankruptcy Court

If you reside in one of the Eastern Michigan counties listed below, your Chapter 13 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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Chapter 13 Bankruptcy Filing in Michigan