Yes. We work with consumers to establish reasonable payment arrangements based on:
Contact us at (314) 991-1177 / (800) 288-5437 to discuss payment options.
We are a law firm representing a creditor who claims you owe a debt. We have been retained to collect this debt on behalf of our client.
This is an attempt to collect a debt. Any information obtained will be used for that purpose.
You have the right to request validation of the debt. Within 30 days of receiving our initial communication, you may request:
Send your written request to:
Kramer & Frank, P.C.
11960 Westline Industrial Dr., Suite 180
St. Louis, MO 63146
If you dispute the debt:
You also have the right to consult with an attorney.
If you’re unable to pay:
We encourage you to contact us, even if you can’t pay in full. Unresolved debts may lead to additional steps, including potential legal proceedings. The sooner we hear from you, the more options may be available.
Settlement depends on several factors:
Contact us to discuss settlement options. Be prepared to share basic information about your financial situation so we can explore options with you.
To negotiate:
Never make a payment without receiving written confirmation of settlement terms.
Contact us to discuss your circumstances. We may be able to:
Communication is key. We work with consumers who are open about their financial situation to find a reasonable path forward.
Under the Fair Debt Collection Practices Act, you have the right to:
For more information, visit: www.consumerfinance.gov
We may attempt to contact you at work initially. However, if you tell us that your employer prohibits personal calls, or if you request that we not call you at work, we will honor that request.
Generally, no. We may contact third parties only to locate you (obtain your address or phone number). We cannot disclose that you owe a debt to third parties, except:
Missouri, Kansas, Illinois, and Arkansas are all one-party consent states, which means you may legally record a phone call as long as you are a participant in the conversation. You do not need to notify us before recording.
Similarly, our calls may be recorded and monitored for quality assurance and compliance purposes. You will be notified of this at the beginning of each call.
If you are represented by an attorney, please have your attorney contact us immediately at (314) 991-1177 / (800) 288-5437. Once we are notified that you have legal representation, we will communicate only with your attorney.
Yes. You have the right to request that we cease communication. Send a written “cease and desist” request to:
Kramer & Frank, P.C.
11960 Westline Industrial Dr., Suite 180
St. Louis, MO 63146
After receiving your request, we will only contact you to:
Note: Requesting that we cease communication does not eliminate the debt. The underlying debt remains valid and other remedies, including legal action, may still be pursued.
If we have filed a lawsuit, you will receive official notice through service of process (a sheriff or process server will deliver court papers). You can also check online court records:
If you’ve been served with a lawsuit, you must respond by the deadline stated in the papers (typically 30 days).
If you have been served with court papers, take the following steps:
If you have questions about a lawsuit we have filed, contact us at (314) 991-1177 / (800) 288-5437.
If you do not respond to a lawsuit within the deadline, the court may enter a default judgment, which means you lose the opportunity to present defenses or dispute the claim. This could lead to post-judgment collection actions such as:
We strongly encourage you to respond to any lawsuit. Consulting with an attorney is recommended — free legal aid may be available in your area through the resources listed in our General Information section.
If we obtain a judgment against you, we may pursue:
Certain income is protected from garnishment, including:
Exemptions vary by state. If you believe your income or assets may be protected, consult with an attorney.
Filing bankruptcy creates an “automatic stay” that stops most collection activity, including:
If you file bankruptcy, notify us immediately:
We will file appropriate paperwork in your bankruptcy case.
No. We are a law firm. We represent creditors and debt buyers, but we do not purchase debt ourselves.
Resources for consumers:
Yes. Please review:
If you have concerns about our practices:
Internal Complaint:
Contact our Compliance Officer at [email protected] or (314) 991-1177 / (800) 288-5437
External Complaint:
Our team is available Mon-Fri, 8:00 AM – 5:00 PM Central Time to discuss your account options.