Filing for bankruptcy in Michigan can feel overwhelming, but with the right guidance, the process becomes much more manageable. Attorney Kimberly Kramer takes the time to answer the most common questions about bankruptcy and explain each step in clear, straightforward language. Her goal is to reduce stress, provide clarity, and help you move forward with confidence toward a stronger financial future.
Below, you’ll find helpful videos that walk through key bankruptcy topics and frequently asked questions. For ongoing tips, updates, and helpful insights about debt relief and bankruptcy in Michigan, be sure to follow Kimberly Kramer on Facebook, where she regularly shares new information for clients and the community.
If you’re ready to discuss your situation, contact our office today to schedule your free consultation.
Which Michigan Judge will oversee your bankruptcy case?
Where do you file for
bankruptcy in Michigan?
Chapter 7 Bankruptcy
- Eliminate many unsecured debts
- Often faster resolution
- Ideal for those who qualify and need a fresh start
Chapter 13 Bankruptcy
- 3–5 year repayment plan
- Stop foreclosure or repossession
- Catch up on missed payments
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 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.

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- Alcona
- Alpena
- Arenac
- Bay
- Cheboygan
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- Clare
- Crawford
- Gladwin
- Gratiot
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- Huron
- Iosco
- Isabella
- Midland
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- Montmorency
- Ogemaw
- Oscoda
- Otsego
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- Presque Isle
- Roscommon
- Saginaw
- Tuscola
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.
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.
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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]