[vcex_heading text=”Bankruptcy Lawyer in Bay City” tag=”h1″ font_weight=”700″ text_align=”center” font_size=”52px” color=”#ffffff”][vcex_spacing size=”10px”]

Helping Eastern Michigan families stop foreclosure,
repossession, garnishment, and overwhelming debt.

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[vcex_heading text=”Compassionate Bankruptcy Lawyer in Bay City” tag=”h2″ font_weight=”700″ font_size=”26px” color=”#572f9b”]

Don’t struggle alone.

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If you’re overwhelmed by debt, working with an experienced and compassionate bankruptcy attorney in Bay City can make all the difference. Kimberly Kramer understands that financial hardship is deeply personal, and she approaches every case with empathy, respect, and clear communication—never judgment.

With nearly three decades of experience, our firm has helped individuals and families navigate financial turmoil and find real, lasting relief. Kimberly takes the time to listen, explain your options in plain language, and create a strategy tailored to your unique situation—so you can move forward with confidence, not fear.

Many people don’t realize the legal options available to escape debt, including Chapter 7 and Chapter 13 bankruptcy. With the right guidance and support, debt relief is possible—and it can happen sooner than you think.

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[vcex_heading text=”How We Can Help You Get Relief” tag=”h2″ font_weight=”700″ text_align=”center” font_size=”28px” color=”#572f9b”]

Bankruptcy Can be a Fresh Start – Not a Failure

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Bankruptcy is a legal tool designed to give people relief — not punishment. Kimberly Kramer helps clients determine whether Chapter 7 or Chapter 13 bankruptcy is the right path based on their unique financial situation.
Ask about our discount for veterans, law enforcement and EMTs.

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Repossession or Foreclosure

Repossession or Foreclosure

Protect what matters most. We can stop foreclosure on your house or vehicle repossession.

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Creditor Harassment

Creditor Harassment

Tired of annoying debt collectors calling? We can stop those stressful phone calls and collection efforts.

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Wage Garnishment

Frustrated with wage garnishments taking money from every paycheck? We can help put a stop to it.

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Unemployment Penalties

Unemployment Penalties

Facing unemployment penalties or repayment demands? Let us help restore your financial stability.

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[vcex_heading text=”Conveniently Located for Fast Filing” tag=”h2″ font_weight=”700″ font_size=”26px” color=”#ffffff”][vcex_divider_dots align=”left” count=”4″ color=”#ffffff” margin=”bottom:15px”]

If you live in one of the counties listed below in Eastern Michigan, your bankruptcy case must be filed and heard at the Bay City Bankruptcy Court. No matter which of these counties you reside in, Bay City is where your case will be handled.

Our office is conveniently located near the courthouse, allowing for efficient, timely filings — especially when you are facing foreclosure, repossession, or wage garnishment.

Contact Kimberly Kramer today for trusted guidance from a local Eastern Michigan bankruptcy attorney who understands the Bay City court process.

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Eastern Michigan bankruptcy attorney
[vcex_spacing size=”20px”][vcex_heading text=”Bay City Bankruptcy Courthouse Serving Counties:” font_weight=”700″ text_align=”center” font_size=”28px” color=”#572f9b”][vcex_divider_dots count=”4″ color=”#572f9b” margin=”bottom:20px”]
    • Alcona
    • Alpena
    • Arenac
    • Bay
    • Cheboygan
    • Clare
    • Crawford
    • Gladwin
    • Gratiot
    • Huron
    • Iosco
    • Isabella
    • Midland
    • Montmorency
    • Ogemaw
    • Oscoda
    • Otsego
    • Presque Isle
    • Roscommon
    • Saginaw
    • Tuscola
[vcex_heading text=”Compassion That Clients Talk About” tag=”h2″ font_weight=”700″ text_align=”center” font_size=”28px” color=”#572f9b”]

Trusted by Hundreds Across Eastern Michigan

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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.

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[vcex_heading text=”Let’s Chat” tag=”h3″ icon=”paper-plane-o” font_weight=”700″ font_size=”26px” color=”#ffffff” icon_color=”#ffffff”][vcex_spacing size=”15px”]

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.

[vcex_spacing][vcex_list_item icon=”phone” color=”#ffffff” font_color=”#ffffff”]Call (989) 282-3500
Text (989) 341-2506[/vcex_list_item][vcex_spacing size=”10px”][vcex_list_item icon=”home” color=”#ffffff” font_color=”#ffffff”]916 Washington Ave
Suite 301
Bay City, MI 48708 [/vcex_list_item][vcex_spacing size=”10px”][vcex_icon_box heading=”” icon=”facebook” url_wrap=”true” onclick=”custom_link” onclick_target=”_blank” font_color=”#ffffff” font_size=”22″ font_weight=”600″ icon_color=”#ffffff” onclick_url=”https://www.facebook.com/KimberlyKramerLawMI/”]Follow on Facebook[/vcex_icon_box]
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