{"id":201,"date":"2026-02-11T17:51:41","date_gmt":"2026-02-11T17:51:41","guid":{"rendered":"https:\/\/dev.mckeecreations.com\/kimberly\/?page_id=201"},"modified":"2026-02-20T15:29:08","modified_gmt":"2026-02-20T15:29:08","slug":"bankruptcy-law","status":"publish","type":"page","link":"https:\/\/dev.mckeecreations.com\/kimberly\/bankruptcy-law\/","title":{"rendered":"Bankruptcy Law"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_section][vc_row][vc_column width=&#8221;1\/2&#8243;][vcex_heading text=&#8221;A Fresh Financial Start `{`br`}`Through Bankruptcy Law&#8221; tag=&#8221;h2&#8243; font_weight=&#8221;700&#8243; text_align=&#8221;left&#8221; font_size=&#8221;28px&#8221; color=&#8221;#572f9b&#8221;][vcex_divider_dots align=&#8221;left&#8221; count=&#8221;4&#8243; color=&#8221;#572f9b&#8221; margin=&#8221;bottom:15px&#8221;][vc_column_text css=&#8221;&#8221;]If you have fallen behind on your mortgage, are facing foreclosure, or feel overwhelmed by credit card debt, Kimberly Kramer, Attorney at Law is here to help. As an experienced bankruptcy attorney serving Bay City and Eastern Michigan, Kimberly provides clear guidance and immediate legal solutions designed to protect you and your future.<\/p>\n<p>For more than 30 years, our firm has worked closely with individuals and families seeking real debt relief through Chapter 7 and Chapter 13 bankruptcy. If you feel like you cannot take the pressure of one more collection call or bill notice, relief may be closer than you think.<\/p>\n<p>When you file a bankruptcy petition, the court issues an Automatic Stay, a powerful legal protection that immediately stops creditor harassment, wage garnishments, repossessions, and foreclosure proceedings. The calls stop. The letters stop. The pressure stops.<\/p>\n<p>Bankruptcy law is designed to give you a fresh start. With the right legal strategy, you can protect your home, safeguard your vehicle, and regain control of your finances with a clear path forward.[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vcex_button onclick_url=&#8221;https:\/\/dev.mckeecreations.com\/kimberly\/contact\/&#8221;]Schedule a Free Consultation [\/vcex_button][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;205&#8243; css=&#8221;&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_row css=&#8221;.vc_custom_1491182602326{padding-top: 60px !important;}&#8221;][vc_column][vcex_heading text=&#8221;How Bankruptcy Law Can Help You Get Relief&#8221; tag=&#8221;h2&#8243; font_weight=&#8221;700&#8243; text_align=&#8221;center&#8221; font_size=&#8221;28px&#8221; color=&#8221;#572f9b&#8221;][vcex_divider_dots count=&#8221;4&#8243; color=&#8221;#572f9b&#8221; margin=&#8221;bottom:15px&#8221;][vc_column_text css=&#8221;&#8221;]\n<p style=\"text-align: center;\">Kimberly Kramer helps clients determine whether Chapter 7 or Chapter 13 bankruptcy is the best solution for their unique financial situation. She takes the time to review your circumstances, explain your options clearly, and create a plan designed to protect your future and restore financial stability.<\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=&#8221;middle&#8221; column_spacing=&#8221;0px&#8221; gap=&#8221;30&#8243; css=&#8221;.vc_custom_1770839334905{border-top-width: 6px !important;border-right-width: 6px !important;border-bottom-width: 6px !important;padding-bottom: 80px !important;padding-left: 6px !important;border-radius: 10px !important;}&#8221; wpex_border_color=&#8221;#572f9b&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1770750354500{border-top-width: 6px !important;border-right-width: 6px !important;border-bottom-width: 6px !important;border-left-width: 6px !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-radius: 10px !important;border-color: #EADAF8 !important;}&#8221; wpex_border_color=&#8221;#572f9b&#8221;][vc_row_inner][vc_column_inner css=&#8221;.vc_custom_1770750667917{background-color: #EADAF8 !important;}&#8221;][vcex_spacing size=&#8221;10px&#8221;][vc_column_text css=&#8221;.vc_custom_1770855955368{padding-top: 10px !important;padding-bottom: 10px !important;background-color: #EADAF8 !important;}&#8221;]\n<p style=\"text-align: center;\"><strong><span class=\"white-text\" style=\"font-size: 24px; color: #572f9b;\">Chapter 7 Bankruptcy<\/span><\/strong><\/p>\n[\/vc_column_text][vcex_spacing size=&#8221;10px&#8221;][\/vc_column_inner][\/vc_row_inner][vcex_spacing size=&#8221;10px&#8221;][vcex_bullets icon_type=&#8221;ticons&#8221; icon=&#8221;check-circle&#8221; icon_color=&#8221;#572f9b&#8221; css=&#8221;.vc_custom_1771008336456{padding-left: 20px !important;}&#8221;]\n<ul>\n<li>Fast discharge (typically 3\u20134 months)<\/li>\n<li>Eliminate many unsecured debts<\/li>\n<li>No repayment plan<\/li>\n<li>Ideal for those who qualify by income<\/li>\n<\/ul>\n[\/vcex_bullets][vcex_spacing size=&#8221;20px&#8221;][vcex_button align=&#8221;center&#8221; onclick_url=&#8221;https:\/\/dev.mckeecreations.com\/kimberly\/chapter-7-bankruptcy\/&#8221;]Learn About Chapter 7[\/vcex_button][vcex_spacing size=&#8221;20px&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1770754459161{border-top-width: 6px !important;border-right-width: 6px !important;border-bottom-width: 6px !important;border-left-width: 6px !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-radius: 10px !important;border-color: #572F9B !important;}&#8221; wpex_border_color=&#8221;#572f9b&#8221;][vc_row_inner][vc_column_inner css=&#8221;.vc_custom_1770750667917{background-color: #EADAF8 !important;}&#8221;][vcex_spacing size=&#8221;10px&#8221;][vc_column_text css=&#8221;.vc_custom_1770855964894{padding-top: 10px !important;padding-bottom: 10px !important;background-color: #EADAF8 !important;}&#8221;]\n<p style=\"text-align: center;\"><strong><span class=\"white-text\" style=\"font-size: 24px; color: #572f9b;\">Chapter 13 Bankruptcy<\/span><\/strong><\/p>\n[\/vc_column_text][vcex_spacing size=&#8221;10px&#8221;][\/vc_column_inner][\/vc_row_inner][vcex_spacing size=&#8221;10px&#8221;][vcex_bullets icon_type=&#8221;ticons&#8221; icon=&#8221;check-circle&#8221; icon_color=&#8221;#572f9b&#8221; css=&#8221;.vc_custom_1771008314923{padding-left: 20px !important;}&#8221;]\n<ul>\n<li>3\u20135 year repayment plan<\/li>\n<li>Stop foreclosure or repossession<\/li>\n<li>Catch up on missed payments<\/li>\n<li>Structured monthly payment<\/li>\n<\/ul>\n[\/vcex_bullets][vcex_spacing size=&#8221;20px&#8221;][vcex_button align=&#8221;center&#8221; onclick_url=&#8221;https:\/\/dev.mckeecreations.com\/kimberly\/chapter-13-bankruptcy\/&#8221;]Learn About Chapter 13[\/vcex_button][vcex_spacing size=&#8221;10px&#8221;][vcex_spacing size=&#8221;20px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; wpex_bg_overlay=&#8221;dark&#8221; css=&#8221;.vc_custom_1770838703796{padding-top: 80px !important;padding-bottom: 50px !important;background-color: #333333 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; wpex_bg_overlay_opacity=&#8221;0.25&#8243; wpex_bg_color=&#8221;#421f6b&#8221;][vc_column width=&#8221;1\/2&#8243;][vcex_heading text=&#8221;Eastern Michigan Bankruptcy Cases Are Filed in Bay City&#8221; tag=&#8221;h2&#8243; font_weight=&#8221;700&#8243; font_size=&#8221;26px&#8221; color=&#8221;#ffffff&#8221;][vcex_divider_dots align=&#8221;left&#8221; count=&#8221;4&#8243; color=&#8221;#ffffff&#8221; margin=&#8221;bottom:15px&#8221;][vc_column_text css=&#8221;&#8221; color=&#8221;#ffffff&#8221;]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.<\/p>\n<p>Our office is conveniently located near the courthouse, allowing for efficient and timely filings \u2014 especially when urgent matters like foreclosure, repossession, or wage garnishment are involved.<\/p>\n<p>Contact Kimberly Kramer today for experienced guidance from a trusted Eastern Michigan bankruptcy attorney who understands the Bay City court system and filing process.[\/vc_column_text][vcex_spacing size=&#8221;10px&#8221;][vcex_button align=&#8221;left&#8221; style=&#8221;outline&#8221; color=&#8221;white&#8221; onclick_url=&#8221;https:\/\/dev.mckeecreations.com\/kimberly\/contact\/&#8221;]Call Kimberly Kramer [\/vcex_button][vcex_spacing size=&#8221;10px&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_raw_html css=&#8221;&#8221;]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[\/vc_raw_html][\/vc_column][\/vc_row][vc_section full_width=&#8221;stretch_row&#8221; wpex_bg_color=&#8221;#eadaf8&#8243;][vc_row][vc_column][vcex_spacing size=&#8221;45px&#8221;][vc_single_image image=&#8221;178&#8243; img_size=&#8221;100X100&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vcex_spacing size=&#8221;20px&#8221;][vcex_heading text=&#8221;Bay City Bankruptcy Courthouse Serving Counties:&#8221; font_weight=&#8221;700&#8243; text_align=&#8221;center&#8221; font_size=&#8221;28px&#8221; color=&#8221;#572f9b&#8221;][vcex_divider_dots count=&#8221;4&#8243; color=&#8221;#572f9b&#8221; margin=&#8221;bottom:20px&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/5&#8243;][vc_column_text css=&#8221;&#8221; color=&#8221;#ffffff&#8221;]\n<ul>\n<li style=\"list-style-type: none; color: #572f9b;\">\n<ul>\n<li><span style=\"color: #572f9b;\">Alcona<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Alpena<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Arenac<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Bay<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Cheboygan<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;][vc_column_text css=&#8221;&#8221; color=&#8221;#ffffff&#8221;]\n<ul>\n<li style=\"list-style-type: none; color: #572f9b;\">\n<ul>\n<li><span style=\"color: #572f9b;\">Clare<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Crawford<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Gladwin<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Gratiot<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;][vc_column_text css=&#8221;&#8221; color=&#8221;#ffffff&#8221;]\n<ul>\n<li style=\"list-style-type: none; color: #572f9b;\">\n<ul>\n<li><span style=\"color: #572f9b;\">Huron<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Iosco<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Isabella<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Midland<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;][vc_column_text css=&#8221;&#8221; color=&#8221;#ffffff&#8221;]\n<ul>\n<li style=\"list-style-type: none; color: #572f9b;\">\n<ul>\n<li><span style=\"color: #572f9b;\">Montmorency<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Ogemaw<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Oscoda<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Otsego<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/5&#8243;][vc_column_text css=&#8221;&#8221; color=&#8221;#ffffff&#8221;]\n<ul>\n<li style=\"list-style-type: none; color: #572f9b;\">\n<ul>\n<li><span style=\"color: #572f9b;\">Presque Isle<\/span><\/li>\n<li><span style=\"color: #572f9b;\">Roscommon<\/span><\/li>\n<li><span style=\"color: #572f9b;\"><a href=\"https:\/\/www.kimberlykramerlaw.com\/saginaw-bankruptcy-lawyers\/\">Saginaw<\/a><\/span><\/li>\n<li><span style=\"color: #572f9b;\">Tuscola<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][\/vc_section][vc_section][vc_row css=&#8221;.vc_custom_1491182602326{padding-top: 60px !important;}&#8221;][vc_column][vcex_heading text=&#8221;Compassion That Clients Talk About&#8221; tag=&#8221;h2&#8243; font_weight=&#8221;700&#8243; text_align=&#8221;center&#8221; font_size=&#8221;28px&#8221; color=&#8221;#572f9b&#8221;][vc_column_text css=&#8221;&#8221;]\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; color: #000000;\"><strong>Trusted by Hundreds Across Eastern Michigan<\/strong><\/span><\/p>\n[\/vc_column_text][vcex_divider_dots count=&#8221;4&#8243; color=&#8221;#572f9b&#8221; margin=&#8221;bottom:15px&#8221;][vc_column_text css=&#8221;&#8221;]\n<p style=\"text-align: center;\">With over 350 five-star reviews and a perfect 5.0 rating on Google, Kimberly Kramer is one of the<br \/>\nmost trusted bankruptcy attorneys in Bay City, Michigan.<\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vcex_image image_id=&#8221;288&#8243;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1770831535866{padding-top: 100px !important;padding-bottom: 40px !important;background-color: #421F6B !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vcex_heading text=&#8221;Let&#8217;s Chat&#8221; tag=&#8221;h3&#8243; icon=&#8221;paper-plane-o&#8221; font_weight=&#8221;700&#8243; font_size=&#8221;26px&#8221; color=&#8221;#ffffff&#8221; icon_color=&#8221;#ffffff&#8221;][vcex_spacing size=&#8221;15px&#8221;][vc_column_text css=&#8221;&#8221; color=&#8221;#ffffff&#8221;]We\u2019d love to hear from you. We\u2019re on Facebook, make sure to follow. For appointments or legal inquiries, please call our office, or use the contact form.<\/p>\n<p>We understand that taking the first step can feel overwhelming, but you don\u2019t have to face it alone. We look forward to helping you find real relief and a fresh financial start.[\/vc_column_text][vcex_spacing][vcex_list_item icon=&#8221;phone&#8221; color=&#8221;#ffffff&#8221; font_color=&#8221;#ffffff&#8221;]Call (989) 282-3500 <br> Text (989) 341-2506[\/vcex_list_item][vcex_spacing size=&#8221;10px&#8221;][vcex_list_item icon=&#8221;home&#8221; color=&#8221;#ffffff&#8221; font_color=&#8221;#ffffff&#8221;]916 Washington Ave <br> Suite 301 <br> Bay City, MI 48708 [\/vcex_list_item][vcex_spacing size=&#8221;10px&#8221;][vcex_icon_box heading=&#8221;&#8221; icon=&#8221;facebook&#8221; url_wrap=&#8221;true&#8221; onclick=&#8221;custom_link&#8221; onclick_target=&#8221;_blank&#8221; font_color=&#8221;#ffffff&#8221; font_size=&#8221;22&#8243; font_weight=&#8221;600&#8243; icon_color=&#8221;#ffffff&#8221; onclick_url=&#8221;https:\/\/www.facebook.com\/KimberlyKramerLawMI\/&#8221;]Follow on Facebook[\/vcex_icon_box][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vcex_contact_form enable_privacy_check=&#8221;false&#8221; 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