Kramer & Frank, P.C.

Kramer & Frank, P.C. is a creditors’ rights and debt collection law firm serving businesses, financial institutions, healthcare providers, governmental bodies, nonprofits, and other creditors. Founded in 1975 by Don Kramer and Maurice Frank, the firm has developed decades of experience handling collection matters while following federal, state, and local consumer protection requirements.

Kramer & Frank, P.C. provides consumer and commercial collection services from the initial charge-off through judgment satisfaction. Its attorneys handle unpaid credit cards, unsecured and secured loans, healthcare bills, contracts, vehicle financing disputes, deficiency balances, and other accounts receivable matters. The law firm can pursue negotiated resolutions, file collection lawsuits with client approval, and assist with post-judgment recovery.

Kramer & Frank, P.C. also represents secured creditors in foreclosure, repossession, replevin, and mechanic’s lien matters. Its lawyers help clients recover collateral, enforce guaranties, address competing claims, and collect balances remaining after property is sold. Bankruptcy services include creditor representation when a debtor’s filing affects foreclosure, replevin, or collection proceedings. The firm defends creditors, collection companies, and debt collectors in cases involving the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and other consumer protection laws. It established a dedicated Compliance Department and appointed a Chief Compliance Officer in 2010, supporting procedures designed to protect clients, consumers, and business reputations.

Kramer & Frank, P.C. maintains offices in St. Louis and Kansas City, Missouri. Its attorneys combine litigation experience, regulatory knowledge, and practical collection strategies. The firm reviews new claims, communicates with clients throughout the process, and develops solutions based on the type of debt, available collateral, applicable law, and each creditor’s business objectives. The approach emphasizes efficiency, accountability, consistency, and professionalism.