Last Updated: November 2025
Kramer & Frank, P.C. publishes this website as a service to our clients, colleagues, and others. The content is provided for informational and general guidance purposes only and should not be construed as legal advice.
Viewing this website or communicating with our firm through this website does not create an attorney-client relationship. An attorney-client relationship is only established when:
No visitor to this website should act, or refrain from acting, based on information contained herein. You should seek appropriate legal or other professional advice regarding any questions, uncertainties, or issues you may have.
Do not transmit confidential or time-sensitive information through this website or via unencrypted email. Communications sent through this website or via regular email are:
If you need to discuss confidential matters or have an urgent legal deadline, please contact our office directly by telephone at (314) 991-1177.
If you communicate with us through this website, we may have prior client relationships, adverse interests, or other potential conflicts that would prevent us from representing you or from treating your communications as confidential. No information you provide will be considered confidential unless and until we confirm that we can represent you and a formal attorney-client relationship has been established.
This is a communication from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.
Kramer & Frank, P.C. is a debt collection law firm representing creditors. If you are a consumer debtor, you have rights under:
For information about your rights under federal law, visit the Federal Trade Commission at www.ftc.gov or the Consumer Financial Protection Bureau at www.consumerfinance.gov.
Some jurisdictions may consider the materials on this website to be ATTORNEY ADVERTISING. In accordance with professional rules of conduct, this website may include information about our services, experience, and prior results.
The hiring of an attorney is an important decision that should not be based solely on information contained on this website. Before making any decision regarding legal representation, you should:
Prior results do not guarantee a similar outcome. Examples of past engagements, representations, and successes set forth on this website are provided for informational purposes only and should not be taken as promises or indications of future results.
Every legal matter is unique and depends on:
While we make reasonable efforts to provide current and accurate information, we cannot guarantee that information on this website is:
Laws, regulations, and court decisions change frequently. Information that was accurate when published may become outdated. Do not rely on this website as your sole source of legal information.
Kramer & Frank, P.C. is licensed to practice law in Missouri and Arkansas. Our attorneys may be admitted to practice in other jurisdictions on a case-by-case basis or pro hac vice.
The information on this website is based primarily on Missouri and federal law. It may not be applicable in other states or jurisdictions. We do not accept clients or provide legal services in jurisdictions where doing so would violate professional conduct rules or local regulations.
This website may contain links to third-party websites provided for your convenience. Kramer & Frank, P.C.:
Your use of any linked website is at your own risk and subject to that website’s terms and conditions.
By providing your email address, telephone number, or other contact information through this website, you consent to receive electronic communications from Kramer & Frank, P.C., which may include:
You are not required to consent to electronic communications as a condition of purchasing any goods or services. You may revoke consent at any time by contacting us at [email protected] or (314) 991-0485.
Internet communications are inherently insecure. Despite our efforts to protect information transmitted through this website:
We are not liable for any unauthorized access, use, or disclosure of information you transmit through this website.
To the fullest extent permitted by law, Kramer & Frank, P.C. disclaims all warranties, express or implied, regarding this website and its content, including warranties of:
We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website.
Kramer & Frank, P.C. reserves the right to modify, suspend, or discontinue this website or any portion thereof at any time without notice. We may also update this disclaimer from time to time. Changes will be posted on this page with a revised “Last Updated” date. Your continued use of this website after changes are posted constitutes acceptance of the modified disclaimer.
This disclaimer and your use of this website are governed by the laws of the State of Missouri, without regard to its conflict of law provisions. Any disputes arising from this website shall be resolved in the courts of St. Louis County, Missouri.
If you have questions about this disclaimer or our website, please contact us:
Kramer & Frank, P.C.
11960 Westline Industrial Dr., Suite 180
St. Louis, MO 63146
Phone: (314) 991-1177
Fax: (314) 991-0485
Email: [email protected]
Hours: Monday – Friday, 8:00 AM – 5:00 PM CST