Your Partner in Business Debt Collection

We strive to provide first-class collection service, as well as, remain in compliance with all federal, state, and local regulations, and firm and client procedures.

Innovative solutions to maximize collection performance

We are a full-service collection law firm with practice areas including commercial, retail, financial, and construction collection matters, including secured and unsecured loans, representation in bankruptcy and probate court, and consumer-protection-law defense.

Our Process


Partner with a business


Contact the Consumer or Business Debtor


Negotiate Settlements


File Collection Lawsuits

Our Practice Areas

Kramer & Frank has represented creditors in all kinds of matters involving creditor rights since 1975.  Our attorneys are experienced in consumer and commercial collections, representing secured creditors in replevin, repossession, foreclosure, and mechanic's lien cases, representing creditors in bankruptcy court, and representing creditors and debt collectors in consumer-protection litigation.  Contact us to learn more!

Consumer Collections & Litigation

Kramer & Frank represents creditors in all types of consumer collection and litigation matters, including credit cards, unsecured loans, secured loans, foreclosure and repossession, health-care-provider bills, unpaid contracts, and deficiency actions.

Commercial Collections & Litigation

Kramer & Frank represents creditors when disputes arise with their commercial clients. Whether your dispute involves multiple parties, guaranties and guarantors, secured debt, unsecured debt, or franchise agreements, we can help.

FDCPA, FCRA, & Consumer-Protection-Law Defense

In the decades since its formation, Kramer & Frank has developed vast experience with the FDCPA, the FCRA, and the other alphabet-soup consumer-protection statutes. We can help defend you when consumer attorneys file claims against you.

Foreclosure, Replevin, Mechanic’s Liens

Creditors know that sometimes their borrowers fail to pay as agreed. When that happens, K&F can assist you in recovering your collateral and collecting any remaining balance.

Deficiency Collection & Litigation

Recovery of collateral is often only the first step in collecting a secured debt. Kramer & Frank can help guide you through the often difficult task of collecting your post-repossession deficiency.

Our Attorneys

Kramer & Frank formed in 1975 to assist creditors. Its attorneys developed vast experience in representing creditors in many different types of matters in the succeeding decades. Many of our attorneys have spent their entire careers representing creditors with K&F.

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Compliance Experts

Kramer & Frank foresaw the explosion of compliance issues arising from the economic collapse in 2008-09. We developed a compliance program before Congress created the CFPB. See how our compliance experience can help protect you, your brand, and your consumers!

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We represent all types of creditors: private and public companies; the financial services industry including secured and unsecured lenders, home mortgage lenders, and auto lenders; health-care providers; governmental entities; not-for-profit entities; individuals; student-loan issuers and servicers; debt purchasers; and judgment creditors.

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Experienced Attorneys


Experienced Attorneys

Dedicated Collection Agents

A Team Of

Dedicated Collection Administrators

Years Experience


Years Experience

Company Announcements:


Please click here to read the latest about the CFPB’s debt-collection rule

Latest Developments!

Did you know…

K&F's CEO, David Page, was just recognized as one of 100 St. Louisans you should know to succeed in business by the St. Louis Small Business Monthly!
Congratulations, Dave!

Don Kramer & Maurice Frank founded the firm in 1975.  We’ve been assisting creditors with their accounts receivable problems for nearly 50 years!

Stay tuned for details on the big celebration!


If you contact Kramer & Frank through this website, no attorney-client privilege is created.  You should not transmit confidential information via this website.  For more information, view our disclaimer.

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