Frequently Asked Questions

General Information

For Consumer Debtors:
Phone: (314) 991-1177
Email: [email protected]
Mail: 11960 Westline Industrial Dr., Suite 180, St. Louis, MO 63146

For Creditors/Business Clients:
Phone: (314) 991-1177
Email: [email protected]
Mail: 11960 Westline Industrial Dr., Suite 180, St. Louis, MO 63146

Hours: Monday – Friday, 8:00 AM – 5:00 PM CST

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

External Complaint:

About Your Debt

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:

  • Verification of the debt amount
  • Name of the original creditor
  • Documentation supporting the debt

Send your written request to: Kramer & Frank, P.C.
11960 Westline Industrial Dr., Suite 180
St. Louis, MO 63146

If you dispute the debt:

  1. Send a written dispute within 30 days of our initial notice
  2. We will cease collection until we provide verification
  3. Review the documentation we provide carefully
  4. Respond in writing if you still dispute the debt

You also have the right to consult with an attorney.

Yes. We work with debtors to establish reasonable payment arrangements based on:

  • Your income and expenses
  • The total amount owed
  • Your payment history

Contact us at (314) 991-1177 to discuss payment options.

If you’re unable to pay:

  • Communicate with us: Explain your financial situation
  • Provide documentation: Income, expenses, hardship circumstances
  • Explore options: Settlement, extended payment terms, hardship programs

Ignoring the debt will not make it go away and may result in legal action.

Your Rights

Under the Fair Debt Collection Practices Act, you have the right to:

  • Request validation of the debt
  • Dispute the debt in writing
  • Request that we cease communication
  • Be free from harassment, threats, or abusive practices
  • Receive communications at reasonable times and places
  • Not have your debt discussed with third parties (except your attorney, credit bureaus, or as necessary to locate you)

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:

  • Your attorney
  • Credit reporting agencies
  • The creditor
  • Our attorneys

If you are represented by an attorney, please have your attorney contact us immediately at (314) 991-1177. 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:

  • Confirm we received your request
  • Notify you of specific legal actions (such as a lawsuit)

Note: Requesting that we cease communication does not eliminate the debt. We may still pursue legal remedies.

Legal Action

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).

f you fail to respond to a lawsuit:

  • Default judgment will be entered against you
  • You lose the opportunity to dispute the debt or raise defenses
  • Post-judgment collection may begin (wage garnishment, bank levies, liens)

Do not ignore a lawsuit. Contact an attorney or respond to the court within the deadline.

If we obtain a judgment against you, we may pursue:

  • Wage garnishment: A portion of your paycheck may be withheld (subject to legal limits)
  • Bank account levy: Funds in your bank account may be seized
  • Property liens: We may place a lien on real estate you own

Certain income is protected from garnishment, including:

  • Social Security benefits (in most cases)
  • SSI (Supplemental Security Income)
  • Veterans benefits
  • Some pension and retirement funds

Filing bankruptcy creates an “automatic stay” that stops most collection activity, including:

  • Lawsuits
  • Wage garnishments
  • Phone calls and letters

If you file bankruptcy, notify us immediately:

  • Phone: (314) 991-1177
  • Email: [email protected]
  • Mail: Include your case number and court

We will file appropriate paperwork in your bankruptcy case.

Debt Settlement

Settlement depends on several factors:

  • Age of the debt
  • Your financial circumstances
  • Whether a lawsuit has been filed
  • Our client’s settlement authority

Contact us to discuss settlement options. Be prepared to provide financial information.

To negotiate:

  1. Call us at (314) 991-1177 or email [email protected]
  2. Explain your situation honestly
  3. Make a reasonable offer based on your ability to pay
  4. Get any settlement in writing before making payment
  5. Keep proof of payment and settlement agreement

Never make a payment without receiving written confirmation of settlement terms.

Contact us to discuss your circumstances. We may be able to:

  • Arrange a payment plan
  • Negotiate a reduced settlement
  • Place the account on temporary hold if you’re experiencing hardship

Communication is key. We work with debtors who are honest about their financial situation.

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