Kramer & Frank, P.C. is a collection law firm with offices in St. Louis and Kansas City, Missouri, that handles retail, medical and commercial collections. A letter or lawsuit from it means a creditor has hired the firm.
- Type
- Collection law firm
- Also known as
- Kramer & Frank; Kramer and Frank
- Collects
- retail accounts, medical bills, commercial accounts, deficiency balances
- Phone numbers it lists
- (314) 991-1177, (816) 471-0030
- Website
- kramerandfrank.com
39 debt collection complaints were sent to the Consumer Financial Protection Bureau about Kramer & Frank, P.C. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Kramer & Frank?
Kramer & Frank, P.C. describes itself as a full-service collection law firm that handles commercial, retail and medical collection matters. Founded in 1975, it has two Missouri offices: 11960 Westline Industrial Drive, Suite 180, St. Louis, MO 63146, phone (314) 991-1177; and 1420 NW Vivion Road, Suite 105, Kansas City, MO 64118, phone (816) 471-0030. The firm says it is expanding into Arkansas after acquiring the firm Gamache & Myers.
Its listed practice areas include consumer and commercial collections, bankruptcy, foreclosure, replevin, mechanic's liens, deficiency collection, and defense of FDCPA and FCRA claims brought against its clients.
Why Kramer & Frank May Be Contacting You
The firm's work spans retail accounts (store cards and consumer credit), medical bills, and deficiency balances left after a repossession or foreclosure. Replevin, a court action to recover specific property such as a vehicle, is also on its list. So a letter could be a demand before suit on a credit or medical account, a lawsuit to recover a balance or collateral, or post-judgment collection.
Because its offices are in Missouri and it is moving into Arkansas, Texas residents who hear from Kramer & Frank should check whether the account dates from time spent in those states, and where any lawsuit was or will be filed.
How to Check a Debt Kramer & Frank Says You Owe
- Check for a court case first. If you were served, find the answer deadline and calendar it. A dispute letter does not pause a lawsuit.
- Dispute in writing within the validation period. The notice must name the creditor and itemize the debt (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Ask for the account statements, or for a medical bill, an itemized statement of services.
- For a deficiency, ask for the sale accounting. You're entitled to know what the collateral sold for and what costs were deducted.
- Confirm the client and owner. Ask whether the firm represents the original creditor or an assignee.
- Look at the age of the account. In Texas, most debt claims must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Missouri and Arkansas have their own limits.
What Kramer & Frank Can and Can't Do
Law firms that regularly collect consumer debts are covered by the FDCPA, including in their litigation (Heintz v. Jenkins, 514 U.S. 291 (1995)). On a consumer account, Kramer & Frank:
- Must file a collection suit in the judicial district where you live or signed the contract (15 U.S.C. § 1692i).
- May not take or threaten to repossess property without a present right to it (15 U.S.C. § 1692f(6)).
- May not claim attorney's fees or interest the contract or law doesn't permit (15 U.S.C. § 1692f(1)).
- Must stay within Regulation F's call limits (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against Kramer & Frank. See whether a collection law firm is a debt collector, or our FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Kramer & Frank, P.C. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Kramer & Frank: home page
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Kramer & Frank, P.C., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Kramer & Frank, P.C. has violated any law. Company details change; tell us if something here is out of date.