Collection law firm profile

Kramer & Frank, P.C.

Last verified 2026-07-06· By John DiSalle, founder of Answered

Answered is an independent legal-information product. It is not affiliated with, endorsed by, or connected to Kramer & Frank, P.C..

Quick answer

Got papers from Kramer & Frank? Two things matter first: the plaintiff and the deadline.

Kramer & Frank is a law firm that represents creditors and debt buyers in collection cases — the party suing you is the plaintiff named in the caption, not the firm. Your response deadline runs from the date you were served, so check it before reading deeper background.

  • Check first: the plaintiff name in the caption, your state, court type, service date, and any hearing or return date.
  • Then: review whether the papers show the plaintiff owns the account, the amount claimed, and that the suit is timely.
St. Louis, MissouriFounded 1975Creditor-side collection law firm

Kramer & Frank, P.C. is a Missouri collections law firm founded in 1975, with published offices in St. Louis and Kansas City. Its website describes "a full service collection law firm able to handle commercial, retail, and medical collection matters," with practice areas that include consumer collections and litigation, and says it represents "all types of creditors," expressly including secured and unsecured lenders, health-care providers, student-loan issuers and servicers, debt purchasers, and judgment creditors.

Case fit check

Check your case fit

Choose your state, add court type if known, and carry the facts into a free case preview before payment.

$0 to start

Start with your state.

Then add plaintiff, court type if known, and service date from your summons. Upload can come next.

$0 to check deadline. One paid unlock if your case passes the readiness check: the Full Defense Packet - $99 (or $33 x 3 weeks). Optional Mail Filing - $50 add-on where available. No subscription.

Payment happens only after you see deadline orientation, case-fit information, and a preview path. Answered is self-help software, not a law firm.

32-state Full Defense Packet eligibility

Consumer debt lawsuit defense in 32 states. Start free — Answered checks whether it can build your Answer before you pay anything.

Who they represent

Who does Kramer & Frank collect for?

Collection law firms act as counsel: the client — a bank, lender, or debt buyer — is the plaintiff, and the firm files and litigates the case on its behalf. On your summons or letter, the firm name usually appears on the letterhead or signature block, while the client appears in the case caption as the plaintiff.

Answered has not verified a public list of Kramer & Frank clients, so this page does not name any. The plaintiff on your own papers is the party you are dealing with — read the caption carefully.

What it means

What a letter or summons from Kramer & Frank means

A collection letter on law-firm letterhead and a court summons are procedurally different documents, and the difference controls your next step.

A letter (no case number)Usually pre-suit collection activity. Under the federal FDCPA you generally have 30 days from the initial notice to dispute the debt and request validation in writing. A letter is not a lawsuit — but a law firm sending it signals the client’s account has been placed with litigation counsel.
A summons and complaint (case number, court name)A lawsuit has been filed. Your deadline to respond runs from the date you were served and is set by state law — often 20 to 35 days, shorter in some courts. Missing it typically leads to a default judgment for the full amount claimed.

Deadlines vary by state and court type. Confirm yours with the court clerk listed on the summons or with the free deadline check above.

Proof burden

What the plaintiff must prove — no matter which firm filed

Hiring a law firm does not lower the plaintiff’s burden of proof. Whether the plaintiff is an original creditor or a debt buyer, a court can only enter judgment on evidence. See what debt buyers must prove for the full breakdown.

Who the plaintiff actually isThe plaintiff in the caption — not Kramer & Frank — is the party suing you. Compare the caption against the original creditor on your statements. If it names a debt buyer, the plaintiff must show it owns your specific account.
Account-level ownership and standingA plaintiff that purchased the debt should be able to connect your account to a bill of sale or assignment, not just generic portfolio language.
Amount and timingCheck the claimed balance against charge-off amount, payments, credits, interest, and fees — and check the statute of limitations in the state where the case was filed.
Records and affidavit foundationReview whether the complaint attaches account records or relies on a summary affidavit that leaves proof gaps.

Common issues to review may include whether the plaintiff can prove ownership chain, amount, standing or authority to sue, account documents, timing, service, and assignment paperwork. Answered helps you preserve and organize issues for review; it does not decide what arguments you should make. Consumer debt lawsuit defense in 32 states. Start free — Answered checks whether it can build your Answer before you pay anything. Check your deadline free before any paid packet decision.

Your next steps

What to do if Kramer & Frank filed a lawsuit against you

  1. 1
    Find your deadline immediatelyYour response window runs from the date you were served — typically 20 to 35 days depending on your state and court. Missing it usually means a default judgment. Use the free deadline checker or your state’s guide for the exact rule.
  2. 2
    Identify the plaintiff, not just the firmRead the caption. If the plaintiff is a debt buyer, it must prove it owns your specific account through a documented chain of assignments. If it is the original creditor, it still must prove the amount.
  3. 3
    Check the statute of limitationsIf the limitations period in your state ran before the filing date, you may have a complete defense — but in most states you must raise it in your Answer or it is waived.
  4. 4
    File your Answer — even if you plan to settleA timely Answer preserves your defenses and typically improves your negotiating position. Ignoring the case does not make it go away. See your state’s defense guide.

Product preview

One $99 unlock: the Full Defense Packet, with everything included.

One product, one decision: check your deadline and proof issues free, then unlock the $99 Full Defense Packet when you are ready to respond — the court-ready Answer, your full proof-issue report, filing and service checklists, workspace tools, and email support. Pay once or split it into 3 weekly payments. The Full Defense Packet - $99 includes proof-review tools and next-step planning for Kramer & Frank, P.C. cases.

LVNV: assignment chain, Resurgent servicing role, and account-level sale proof.

Midland: account-level purchase records, balance support, and arbitration clues.

Portfolio Recovery: ownership records, account schedule, and itemized balance support.

Other debt buyers: standing, amount, account documents, timing, and service issues.

Common issues to review may include whether the plaintiff can prove ownership chain, amount, standing or authority to sue, account documents, timing, service, and assignment paperwork. Answered helps you preserve and organize issues for review; it does not decide what arguments you should make.

Check my deadline free

Deadline found

Your answer deadline

Plaintiff

Kramer & Frank, P.C.

Documents

Answer + next filings

Case preview

  • Ownership proof
  • Amount issues
  • Deadline path

Frequently asked questions

Common questions about Kramer & Frank

State defense guides

Sued in a state where Kramer & Frank files? Find your guide

Missouri

Know your deadline and next filing step.

Answered helps you find your deadline, identify possible issues in the plaintiff’s papers, and draft a filing-formatted Answer. One unlock if your case fits: Full Defense Packet - $99 (or $33 x 3 weeks) — everything included.

Check your deadline free