{"id":30,"date":"2016-07-19T21:27:08","date_gmt":"2016-07-19T21:27:08","guid":{"rendered":"http:\/\/totaltheme.wpengine.com\/landscaping\/?page_id=30"},"modified":"2026-02-23T19:35:59","modified_gmt":"2026-02-23T19:35:59","slug":"about","status":"publish","type":"page","link":"https:\/\/dev.mckeecreations.com\/kimberly\/about\/","title":{"rendered":"About"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_section full_width=&#8221;stretch_row_content&#8221; content_placement=&#8221;top&#8221;][vc_row][vc_column wpex_bg_color=&#8221;#e3d3eb&#8221; css=&#8221;.vc_custom_1771001071606{margin-top: -40px !important;}&#8221;][vcex_image image_id=&#8221;313&#8243; align=&#8221;center&#8221; css=&#8221;.vc_custom_1771001081543{margin-top: -60px !important;}&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_section][vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<strong><span style=\"font-size: 21px;\">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\u2019s 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 \u201cThe Compassionate Attorney.\u201d<\/span><\/strong>[\/vc_column_text][vc_empty_space height=&#8221;35px&#8221;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/2&#8243;][vcex_heading text=&#8221;Dedicated Bankruptcy Representation Since 1998&#8243; 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;]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.<\/p>\n<p>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.<\/p>\n<p><strong>Her practice is built on: <\/strong>[\/vc_column_text][vcex_list_item icon=&#8221;check&#8221; color=&#8221;#572f9b&#8221; icon_size=&#8221;sm&#8221;]Clear Communication[\/vcex_list_item][vcex_list_item icon=&#8221;check&#8221; color=&#8221;#572f9b&#8221; icon_size=&#8221;sm&#8221;]Practical Solutions[\/vcex_list_item][vcex_list_item icon=&#8221;check&#8221; color=&#8221;#572f9b&#8221; icon_size=&#8221;sm&#8221;]Compassionate Client Care[\/vcex_list_item][vc_empty_space height=&#8221;35px&#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;102&#8243; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator color=&#8221;custom&#8221; border_width=&#8221;4&#8243; css=&#8221;&#8221; accent_color=&#8221;#EADAF8&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][vcex_heading text=&#8221;Education and Early Legal Experience&#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;]\n<p data-start=\"1469\" data-end=\"1669\">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.<\/p>\n<p data-start=\"1671\" data-end=\"1694\">During law school, she:<\/p>\n<ul data-start=\"1696\" data-end=\"1995\">\n<li data-start=\"1696\" data-end=\"1804\">\n<p data-start=\"1698\" data-end=\"1804\">Completed an externship with the United States Bankruptcy Court for the Northern District of Indiana<\/p>\n<\/li>\n<li data-start=\"1805\" data-end=\"1897\">\n<p data-start=\"1807\" data-end=\"1897\">Interned in the finance law section at Dow Corning during its Chapter 11 proceedings<\/p>\n<\/li>\n<li data-start=\"1898\" data-end=\"1995\">\n<p data-start=\"1900\" data-end=\"1925\"><strong>Earned highest honors in:<\/strong><\/p>\n<ul data-start=\"1928\" data-end=\"1995\">\n<li data-start=\"1928\" data-end=\"1953\">\n<p data-start=\"1930\" data-end=\"1953\">Banking &amp; Finance Law<\/p>\n<\/li>\n<li data-start=\"1956\" data-end=\"1973\">\n<p data-start=\"1958\" data-end=\"1973\">Contracts Law<\/p>\n<\/li>\n<li data-start=\"1976\" data-end=\"1995\">\n<p data-start=\"1978\" data-end=\"1995\">Law &amp; Economics<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator color=&#8221;custom&#8221; border_width=&#8221;4&#8243; css=&#8221;&#8221; accent_color=&#8221;#EADAF8&#8243;][\/vc_column][\/vc_row][vc_row column_spacing=&#8221;50&#8243;][vc_column width=&#8221;1\/2&#8243;][vcex_heading text=&#8221;Professional Background&#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;]Ms. Kramer was a founding member of Jacobs &amp; Kramer, P.L.L.C., where she practiced for four years before opening her own firm in 2006.<\/p>\n<p>While her primary focus has always been consumer bankruptcy, her broader legal background includes experience in:<\/p>\n<ul data-start=\"2289\" data-end=\"2416\">\n<li data-start=\"2289\" data-end=\"2321\">\n<p data-start=\"2291\" data-end=\"2321\">Misdemeanor criminal matters<\/p>\n<\/li>\n<li data-start=\"2322\" data-end=\"2339\">\n<p data-start=\"2324\" data-end=\"2339\">Divorce cases<\/p>\n<\/li>\n<li data-start=\"2340\" data-end=\"2355\">\n<p data-start=\"2342\" data-end=\"2355\">Collections<\/p>\n<\/li>\n<li data-start=\"2356\" data-end=\"2381\">\n<p data-start=\"2358\" data-end=\"2381\">Small estate planning<\/p>\n<\/li>\n<li data-start=\"2382\" data-end=\"2416\">\n<p data-start=\"2384\" data-end=\"2416\">Select personal injury matters<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2418\" data-end=\"2531\">Today, her practice is firmly dedicated to helping clients achieve meaningful debt relief through bankruptcy law.<\/p>\n[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vcex_heading text=&#8221;Commitment to the Community&#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;]\n<p data-start=\"2574\" data-end=\"2758\">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.<\/p>\n<p data-start=\"2760\" data-end=\"2773\">She has also:<\/p>\n<ul data-start=\"2775\" data-end=\"3015\">\n<li data-start=\"2775\" data-end=\"2833\">\n<p data-start=\"2777\" data-end=\"2833\">Assisted in training staff attorneys in bankruptcy law<\/p>\n<\/li>\n<li data-start=\"2834\" data-end=\"2894\">\n<p data-start=\"2836\" data-end=\"2894\">Participated in numerous professional education seminars<\/p>\n<\/li>\n<li data-start=\"2895\" data-end=\"2951\">\n<p data-start=\"2897\" data-end=\"2951\">Contributed scholarly writings to legal associations<\/p>\n<\/li>\n<li data-start=\"2952\" data-end=\"3015\">\n<p data-start=\"2954\" data-end=\"3015\">Spoken at industry events and continuing education programs<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3017\" data-end=\"3107\">Her work reflects a deep commitment to both professional excellence and community service.<\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator color=&#8221;custom&#8221; border_width=&#8221;4&#8243; css=&#8221;&#8221; accent_color=&#8221;#EADAF8&#8243;][\/vc_column][\/vc_row][vc_row column_spacing=&#8221;50&#8243;][vc_column width=&#8221;1\/2&#8243;][vcex_heading text=&#8221;Education&#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;]\n<ul data-start=\"3132\" data-end=\"3358\">\n<li data-start=\"3132\" data-end=\"3196\">\n<p data-start=\"3134\" data-end=\"3196\">Michigan State University \u2014 B.S., Social Sciences (1994)<\/p>\n<\/li>\n<li data-start=\"3197\" data-end=\"3358\">\n<p data-start=\"3199\" data-end=\"3240\">Valparaiso University School of Law (1998)<\/p>\n<ul data-start=\"3243\" data-end=\"3358\">\n<li data-start=\"3243\" data-end=\"3284\">\n<p data-start=\"3245\" data-end=\"3284\">Highest Honors: Banking &amp; Finance Law<\/p>\n<\/li>\n<li data-start=\"3287\" data-end=\"3320\">\n<p data-start=\"3289\" data-end=\"3320\">Highest Honors: Contracts Law<\/p>\n<\/li>\n<li data-start=\"3323\" data-end=\"3358\">\n<p data-start=\"3325\" data-end=\"3358\">Highest Honors: Law &amp; Economics<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vcex_heading text=&#8221;Bar Admissions&#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;]\n<ul>\n<li data-start=\"3388\" data-end=\"3445\">\n<p data-start=\"3390\" data-end=\"3445\">District and Circuit Courts for the State of Michigan<\/p>\n<\/li>\n<li data-start=\"3446\" data-end=\"3507\">\n<p data-start=\"3448\" data-end=\"3507\">United States Federal Court, Eastern District of Michigan<\/p>\n<\/li>\n<li data-start=\"3508\" data-end=\"3569\">\n<p data-start=\"3510\" data-end=\"3569\">United States Federal Court, Western District of Michigan<\/p>\n<\/li>\n<\/ul>\n[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vcex_heading text=&#8221;Professional Associations&#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;]\n<ul>\n<li data-start=\"3610\" data-end=\"3637\">\n<p data-start=\"3612\" data-end=\"3637\">Federal Bar Association &#8211; Eastern &amp; Western D of MI<\/p>\n<\/li>\n<li data-start=\"3638\" data-end=\"3663\">\n<p data-start=\"3640\" data-end=\"3663\">State Bar of Michigan<\/p>\n<\/li>\n<li data-start=\"3638\" data-end=\"3663\">\n<p data-start=\"3640\" data-end=\"3663\">NE Michigan Bankruptcy Bar<\/p>\n<\/li>\n<li data-start=\"3664\" data-end=\"3694\">\n<p data-start=\"3666\" data-end=\"3694\">Bay County Bar Association<\/p>\n<\/li>\n<li data-start=\"3695\" data-end=\"3728\">\n<p data-start=\"3697\" data-end=\"3728\">American Bankruptcy Institute<\/p>\n<\/li>\n<li data-start=\"3729\" data-end=\"3786\">\n<p data-start=\"3731\" data-end=\"3786\">National Association of Consumer Bankruptcy Attorneys<\/p>\n<\/li>\n<li data-start=\"3787\" data-end=\"3822\">\n<p data-start=\"3789\" data-end=\"3822\">Consumer Bankruptcy Association<\/p>\n<\/li>\n<li data-start=\"3823\" data-end=\"3870\">\n<p data-start=\"3825\" data-end=\"3870\">National Association of Bankruptcy Trustees<\/p>\n<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vcex_heading text=&#8221;Presentations and Affiliations&#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;]\n<ul>\n<li data-start=\"3916\" data-end=\"3990\">\n<p data-start=\"3918\" data-end=\"3990\"><strong data-start=\"3918\" data-end=\"3942\">Davenport University<\/strong> \u2014 Adjunct Faculty Member, Business Law I &amp; II<\/p>\n<\/li>\n<li data-start=\"3991\" data-end=\"4064\">\n<p data-start=\"3993\" data-end=\"4064\"><strong data-start=\"3993\" data-end=\"4026\">American Bankruptcy Institute<\/strong> \u2014 Speaker and published contributor<\/p>\n<\/li>\n<li data-start=\"4065\" data-end=\"4117\">\n<p data-start=\"4067\" data-end=\"4117\"><strong data-start=\"4067\" data-end=\"4075\">ICLE<\/strong> \u2014 Frequent speaker and published author<\/p>\n<\/li>\n<\/ul>\n[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vcex_heading text=&#8221;Personal Life&#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;]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.<\/p>\n<p>Kimberly\u2019s 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:<\/p>\n<ul data-start=\"2775\" data-end=\"3015\">\n<li data-start=\"2952\" data-end=\"3015\">\n<p data-start=\"2954\" data-end=\"3015\">Board of a Holy Cross Catholic Services<\/p>\n<\/li>\n<li data-start=\"2952\" data-end=\"3015\">\n<p data-start=\"2954\" data-end=\"3015\">Attend St Mark Lutheran Church<\/p>\n<\/li>\n<li data-start=\"2952\" data-end=\"3015\">\n<p data-start=\"2954\" data-end=\"3015\">Volunteers though Swan Valley Schools<\/p>\n<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_separator color=&#8221;custom&#8221; border_width=&#8221;4&#8243; css=&#8221;&#8221; accent_color=&#8221;#EADAF8&#8243;][\/vc_column][\/vc_row][vc_row][vc_column][vcex_heading text=&#8221;Our Staff&#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;]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.<\/p>\n<p>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.[\/vc_column_text][\/vc_column][\/vc_row][vc_row gap=&#8221;35&#8243;][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1771432638442{padding-top: 20px !important;padding-right: 10px !important;padding-bottom: 20px !important;padding-left: 10px !important;border-radius: 25px !important;}&#8221; wpex_bg_color=&#8221;#eadaf8&#8243; wpex_border_color=&#8221;#ffffff&#8221;][vc_column_text css=&#8221;&#8221;]\n<p style=\"text-align: center;\"><strong>Cheryl<\/strong><br \/>\nFile Clerk<\/p>\n[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1771432693066{padding-top: 20px !important;padding-right: 10px !important;padding-bottom: 20px !important;padding-left: 10px !important;border-radius: 25px !important;}&#8221; wpex_bg_color=&#8221;#eadaf8&#8243; wpex_border_color=&#8221;#ffffff&#8221;][vc_column_text css=&#8221;&#8221;]\n<p style=\"text-align: center;\"><strong>Amber<\/strong><br \/>\nClient Coordinator<\/p>\n[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1771432720310{padding-top: 20px !important;padding-right: 10px !important;padding-bottom: 20px !important;padding-left: 10px !important;border-radius: 25px !important;}&#8221; wpex_bg_color=&#8221;#eadaf8&#8243; wpex_border_color=&#8221;#ffffff&#8221;][vc_column_text css=&#8221;&#8221;]\n<p style=\"text-align: center;\"><strong>Val<\/strong><br \/>\nPrimary Legal Assistant<\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; wpex_bg_color=&#8221;#eadaf8&#8243;][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 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 \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;]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_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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