Kimberly A. Kramer

Kimberly A. Kramer is a Bay City, Michigan, bankruptcy attorney who represents consumers and small businesses facing financial hardship. Her practice focuses on bankruptcy cases, debt relief, and helping clients regain stable financial footing. Since 1998, she has represented more than 5,000 consumers and small businesses in bankruptcy proceedings. She provides direct guidance through filing requirements, court procedures, creditor issues, and the practical decisions involved in seeking a fresh financial start.

Kramer earned her J.D. from Valparaiso University School of Law, graduating in the top fifth of her class and receiving highest honors in Banking and Finance Law, Contracts Law, and Law and Economics. She earned a B.S. in Social Sciences from Michigan State University. During law school, she completed an externship with the US Bankruptcy Court for the Northern District of Indiana and interned in Dow Corning’s finance law section during its Chapter 11 proceedings.

Kramer began her career handling consumer bankruptcy matters and became a partner after two years. Before opening her own practice in 2006, she also worked on misdemeanor criminal cases, divorce matters, collections, small estate plans, and personal injury claims. Her experience gives her a broad understanding of the legal and financial pressures that can affect individuals and small businesses. She is admitted in the Michigan state courts and the federal courts for the Eastern and Western Districts of Michigan.

Kimberly A. Kramer combines extensive bankruptcy experience with professional education, teaching, writing, and public service. She has taught business law as an adjunct faculty member at Davenport University and has presented and published materials through bankruptcy and continuing legal education organizations. She also provides pro bono representation through Legal Services of Eastern Michigan and has helped train staff attorneys in bankruptcy practice. Her work reflects careful preparation, practical advice, and a commitment to accessible debt relief.

Law Office Affiliations

• Attorney/Owner, Kimberly Kramer, P.L.C.
• Member, Federal Bar Association, Eastern & Western D of Michigan
• Member, State Bar of Michigan
• Member, NE Michigan Bankruptcy Bar
• Member, Bay County Bar Association
• Member, American Bankruptcy Institute
• Member, National Association of Consumer Bankruptcy Attorneys
• Member, Consumer Bankruptcy Association
• Member, National Association of Bankruptcy Trustees

Licensed State

• Michigan

Education

• Valparaiso University School of Law
  Juris Doctor (JD)
• Michigan State University
  BS in Social Sciences

Awards & Badges