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Experience, education, and a genuine willingness to listen sets Kimberly Kramer apart. She understands that financial hardship is deeply personal and takes the time to hear each client’s concerns with empathy and respect. This client-first approach has earned her more than 350 five-star Google reviews, making her one of the top-rated bankruptcy attorneys in Eastern Michigan. It is also why so many people throughout the region know her as “The Compassionate Attorney.”

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Kimberly A. Kramer is the owner of Kimberly Kramer, P.L.C., a law firm dedicated to providing focused bankruptcy representation for consumers and small businesses throughout Eastern Michigan.

Since 1998, Ms. Kramer has successfully represented more than 5,000 individuals and business clients in bankruptcy matters. With decades of hands-on experience navigating both Chapter 7 and Chapter 13 cases, she brings the knowledge and steady support clients need to move forward with confidence.

Her practice is built on:

[vcex_list_item icon=”check” color=”#572f9b” icon_size=”sm”]Clear Communication[/vcex_list_item][vcex_list_item icon=”check” color=”#572f9b” icon_size=”sm”]Practical Solutions[/vcex_list_item][vcex_list_item icon=”check” color=”#572f9b” icon_size=”sm”]Compassionate Client Care[/vcex_list_item]
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Kim Kramer Compassionate Bankruptcy Lawyer in Bay City
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After earning her Bachelor of Science in Social Sciences from Michigan State University, Ms. Kramer graduated from Valparaiso University School of Law, finishing in the top fifth of her class.

During law school, she:

  • Completed an externship with the United States Bankruptcy Court for the Northern District of Indiana

  • Interned in the finance law section at Dow Corning during its Chapter 11 proceedings

  • Earned highest honors in:

    • Banking & Finance Law

    • Contracts Law

    • Law & Economics

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Ms. Kramer was a founding member of Jacobs & Kramer, P.L.L.C., where she practiced for four years before opening her own firm in 2006.

While her primary focus has always been consumer bankruptcy, her broader legal background includes experience in:

  • Misdemeanor criminal matters

  • Divorce cases

  • Collections

  • Small estate planning

  • Select personal injury matters

Today, her practice is firmly dedicated to helping clients achieve meaningful debt relief through bankruptcy law.

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Kimberly Kramer is an active attorney on the pro bono roster for Legal Services of Eastern Michigan, where she commits to representing at least twelve debtors each year at no cost.

She has also:

  • Assisted in training staff attorneys in bankruptcy law

  • Participated in numerous professional education seminars

  • Contributed scholarly writings to legal associations

  • Spoken at industry events and continuing education programs

Her work reflects a deep commitment to both professional excellence and community service.

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  • Michigan State University — B.S., Social Sciences (1994)

  • Valparaiso University School of Law (1998)

    • Highest Honors: Banking & Finance Law

    • Highest Honors: Contracts Law

    • Highest Honors: Law & Economics

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  • District and Circuit Courts for the State of Michigan

  • United States Federal Court, Eastern District of Michigan

  • United States Federal Court, Western District of Michigan

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  • Federal Bar Association – Eastern & Western D of MI

  • State Bar of Michigan

  • NE Michigan Bankruptcy Bar

  • Bay County Bar Association

  • American Bankruptcy Institute

  • National Association of Consumer Bankruptcy Attorneys

  • Consumer Bankruptcy Association

  • National Association of Bankruptcy Trustees

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  • Davenport University — Adjunct Faculty Member, Business Law I & II

  • American Bankruptcy Institute — Speaker and published contributor

  • ICLE — Frequent speaker and published author

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Outside the office, Kimberly enjoys spending time with her family. She has two adult daughters who live and work in the Mt. Pleasant area and a teenage daughter who keeps the household busy with sports and academics. Her husband, a retired law enforcement professional, shares her strong commitment to serving the community.

Kimberly’s home is also lively thanks to Drake, her energetic silver Labrador, along with two very self-appointed resident cats who have fully claimed the household. She is also very involved in:

  • Board of a Holy Cross Catholic Services

  • Attend St Mark Lutheran Church

  • Volunteers though Swan Valley Schools

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Our staff has been an integral part of the firm for many years and brings deep experience, consistency, and care to every client interaction. They truly live and breathe this work, understanding both the legal process and the human side of financial hardship.

From your first call to the final steps of your case, our team is committed to making the process as smooth and stress-free as possible. Clients often remark on their responsiveness, patience, and willingness to go the extra mile. Their long-standing dedication and shared commitment to compassionate service help ensure that every client feels supported, informed, and treated with respect.

Cheryl
File Clerk

Amber
Client Coordinator

Val
Primary Legal Assistant

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If you reside in one of the Eastern Michigan counties listed below, your bankruptcy 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 next to the U.S. District Court (Eastern District of Michigan) and just three blocks from the U.S. Bankruptcy Court, 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.

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Eastern Michigan bankruptcy attorney
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    • Alcona
    • Alpena
    • Arenac
    • Bay
    • Cheboygan
    • Clare
    • Crawford
    • Gladwin
    • Gratiot
    • Huron
    • Iosco
    • Isabella
    • Midland
    • Montmorency
    • Ogemaw
    • Oscoda
    • Otsego
    • Presque Isle
    • Roscommon
    • Saginaw
    • Tuscola
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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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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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