Phone
314-991-1177 / 800-288-5437
Contact Email
Working Hours
Mon - Fri : 8AM-5PM
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About Kramer & Frank P.C.

A St. Louis-based law firm helping people resolve outstanding accounts since 1975.

Who We Are

Kramer & Frank, P.C. is a law firm based in St. Louis, Missouri. Since 1975, we have worked with individuals and businesses to resolve outstanding financial obligations. We are committed to treating every person we work with fairly, professionally, and in full compliance with all applicable state and federal laws.

If you have received communication from our office, we encourage you to reach out. Our team is available to answer your questions, discuss your options, and help you find a path forward.

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Your Rights

We believe in transparency. If you have received communication from Kramer & Frank, you have rights under federal and state law, including:

The right to request verification of the debt

You may request written verification of any amount we have communicated to you.

The right to dispute

If you believe there is an error, you have the right to dispute the debt and we will investigate.

The right to be treated with respect

Our firm maintains a Chief Compliance Officer and a dedicated compliance team to ensure every interaction meets FDCPA and state law standards.

The right to representation

You may have an attorney represent you at any time. If you are represented, let us know and we will communicate with your attorney instead.

Have questions? Contact us or call (314) 991-1177 or (800) 288-5437.

Understanding the Process

Depending on the status of your account, it may be in one of the following stages. If you have questions about where your account stands, please contact us.

Pre-Litigation

  • Initial contact and written notice
  • Opportunity to set up a payment plan
  • Negotiation and settlement options

Litigation

  • Legal action filed with the court
  • Service of process and court dates
  • Opportunity to respond or settle

Post-Judgment

  • Court-ordered payment enforcement
  • Wage or bank garnishment (where applicable)
  • Continued opportunity to arrange payment

Serving the Midwest

Kramer & Frank, P.C. is headquartered in St. Louis and serves clients in Missouri, Kansas, Illinois, and Arkansas.

Member, National Creditors Bar Association
Member, Missouri Creditors Bar Inc.