How to Settle Debt With Kramer & Frank

George Simons | January 30, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If you’ve been sued by Kramer & Frank, you should respond with a written Answer to block a default judgment. This will buy you time to negotiate with Kramer & Frank to settle the debt outside of court. Use Solo to respond and negotiate.

Most consumers who find themselves in a lawsuit usually know the company that filed the lawsuit. However, when Kramer & Frank file a lawsuit against someone, that person may not know who this company is and why they are filing this suit.

One of the most important things to remember is that even if you are served a Summons by Kramer & Frank, you have legal rights. Exercising these rights requires action on your part. So, while it can be scary if you are being sued by Kramer & Frank, it isn't the end of the world.

Despite any fear you may be experiencing, being served the Summons is a call to action. Taking proper action can provide a better outcome for you. Ultimately, as you begin to work on the lawsuit, you will develop your proper legal strategy.

The first step in this strategy should be gathering all the information you can about Kramer & Frank PC.

Settle debt with Kramer & Frank

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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Who is Kramer & Frank PC?

Kramer & Frank is a collection law firm that represents creditors who have not been able to collect their debts and wish to file a lawsuit against their customers to legally compel them to pay the debt on their client's behalf.

For 45 years, Kramer & Frank PC has been located in St. Louis, Missouri. It has established itself in the Midwest, particularly in Missouri and Kansas, providing legal representation to businesses seeking to resolve unpaid accounts. Their long-standing presence reflects their focus on commercial and consumer debt recovery, supporting various industries that require legal assistance in collecting overdue payments.

Make the right affirmative defenses with Solo.

Who does Kramer & Frank collect for?

Kramer & Frank PC provides debt collection services for a variety of clients across different industries. Their clients typically include businesses and organizations that rely on legal support to recover unpaid debts. These may include:

  • Financial institutions such as banks, credit unions, and other lenders
  • Healthcare providers such as hospitals, clinics, and medical offices
  • Utility Companies such as electricity, water, and gas companies
  • Retailers
  • Landlords and Property Managers

If you have received a lawsuit from Kramer & Frank and you've never had direct relations with them, chances are high that you owe a creditor who has hired them to recover the debt.

Read Kramer & Frank PC reviews online

Customer reviews for debt collection agencies like Kramer & Frank PC can vary, reflecting diverse experiences with the firm. When exploring these reviews, approach them with an open mind. Individual experiences may depend on specific circumstances, such as the nature of the debt or the actions of the creditor.

To learn more about Kramer & Frank PC’s reputation and practices, here are some reviews to look at:

You may be wondering what approach to take after reading the reviews. The best move is to focus on wanting to clear your debt and having a positive mindset as you interact with them, as reflected by Mustang’s experience with them. Here is what he had to say:

“They are working with me. After I had a talk with them, they understood my position. Thank you.”

Mustang’s example shows that willingness to engage with debt collectors like Kramer & Frank goes a long way. In fact, openly communicating with Kramer & Frank will help you find a solution to your debt problems and settle without any legal issues.

Prepare your defense against Kramer & Frank

Facing a lawsuit from an experienced collection law firm like Kramer & Frank can feel overwhelming. However, you have rights under the Fair Debt Collection and Practices Act (FDCPA) that protect you and available options to consider for a favorable outcome. Instead of letting the situation intimidate you, take a proactive approach to address the matter and explore solutions that work in your favor.

By the time Kramer and Frank file the lawsuit, the balance of the account can be unrecognizable. In many cases, it's not just the original account balance owed. There are court costs, attorney fees, and lost interest, to name a few of the additional charges detailed in the lawsuit. These additional charges will more than likely be added to the formal Complaint, which is the legal term for the lawsuit.

In the Complaint, Kramer & Frank will detail everything they can about you and the debt. These details are allegations. Kramer & Frank state, among other things, that you owe this debt. They stipulate what the balance owed is according to them. They include whatever actions they took to resolve this debt before filing the suit.

Because they filed the Complaint, the burden of proof rests on their shoulders. Every allegation they stated in the lawsuit must be proven. Kramer & Frank are required to provide this proof to the court if, and only if, you respond to the Complaint. Your response has a specific name - an Affirmative Defense.

Send your response in 15 minutes with SoloSuit.

Submit your affirmative defense to a Kramer & Frank lawsuit

So, you're holding a Summons with your name on it served to you by a Kramer & Frank lawsuit. Every jurisdiction allows a person named in a suit to respond to the court. These responses are included in an Answer. In the Answer, you will typically respond to the allegations with one of three responses.

  1. Deny
  2. Admit
  3. Deny for lack of knowledge

The Answer is also where you will assert your affirmative defenses. This is your opportunity to request proof from Kramer & Frank that everything they allege in their suit is accurate. Providing affirmative defenses for every point in the lawsuit is an important part of your legal strategy.

Collection law firms are not perfect. They make mistakes, and submitting affirmative defenses is your way of making sure that Kramer & Frank is accurate in their Complaint. If there are any errors on their part, their case weakens. Your response to their suit is your way of exercising your legal rights.

If they cannot provide to you or the court proof and documentation that aligns with their Complaint, they run the risk of the court dismissing the case outright. The balance, the pertinent dates of the debt, the additional charges laid out in the suit, and anything else they may have alleged have to be substantiated. Even making sure that their Complaint is within your state's statute of limitations is a critical part of your legal defense.

This is the step many consumers fail to take. The people who failed to take this action were typically unaware of their legal rights. You don't have to fall into this group. Submitting your Answer is the best way to fight the Kramer & Frank lawsuit.

Respond to your debt collection lawsuit with SoloSuit.

Let's look at what will happen if you don't submit an Answer. Kramer & Frank will then file a motion to the court for a summary judgment. This means that since no response from you was received, the court believes that you agree with every single allegation made on the Kramer & Frank complaint.

If this is true, the court will probably grant the summary judgment motion in Kramer & Frank's favor. Now the avalanche can begin for you. If they choose, Kramer & Frank could place a lien on any personal property you own. They could freeze your bank account. They could seek to garnish your wages. You can avoid this by taking action and respond to the Complaint.

This is your chance to test the accuracy of their lawsuit. If Kramer & Frank cannot submit to the court the proof as to what they allege, the possibility of a dismissal exists. As a collection law firm, Kramer & Frank isn't the original creditor and some of the documentation required to prove the allegations may not be in their possession.

Filing your Answer with your affirmative defenses is how you can hold not only Kramer & Frank but also the original creditor accountable for validating that the balance is owed. And if they can't prove their case, you win.

Settle the debt with Kramer & Frank

Settling a debt with Kramer & Frank can help you resolve the matter efficiently and avoid the stress of prolonged legal action. Once you set your mind to settle the debt, you can work toward a resolution that fits your financial circumstances. Here are the steps to guide you through the process:

  1. Determine how much you should offer to settle the debt. Take a realistic look at your income, expenses, and savings to determine how much you can pay to settle the debt. Ensure the amount you propose will not jeopardize your ability to meet essential living expenses.
  2. Reach out to the law firm to discuss your intention to settle the debt. It’s often best to communicate in writing to keep a record of all correspondence. Be polite and professional in your tone. SoloSettle is a platform that helps you at this stage onwards.
  3. Make an official offer. Draft a follow-up letter or email that outlines your offer to pay a portion of the debt in exchange for considering the account settled. Start with a lower offer, as this leaves room for negotiation if your initial proposal is declined.
  4. Be prepared to negotiate if Kramer & Frank counter your offer. Stay focused on what you can realistically afford and remain calm throughout the discussion.
  5. Once you reach an agreement, ask Kramer & Frank to provide a written settlement agreement. Ensure the terms are clearly stated, including the amount to be paid and confirmation that the debt will be considered resolved after payment.
  6. Adhere to the agreed terms by making your payment on time. Use a traceable method, such as a certified check or electronic transfer, to ensure proof of payment.

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Make an Offer


Use SoloSettle to carry out the above steps in a platform that tracks all interactions, and debt specialists monitor the process. Watch the following video to learn more.

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

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If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

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Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

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Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

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