Who is Kramer & Frank, P.C.?
Kramer & Frank, P.C. is a law firm located in St. Louis, Missouri, that also operates as a debt collection agency. As such, it combines legal expertise with debt recovery tactics to secure repayments on outstanding debts. If you see Kramer & Frank, P.C. on your credit report, it usually implies that you have an unpaid debt or bill that has been assigned to them for collection.
Who does Kramer & Frank, P.C. collect for?
Kramer & Frank, P.C. primarily works on behalf of original creditors to recover past-due debts. This means they serve a variety of industries, including banks, credit card companies, and other lending institutions.
Their job is to collect unpaid debts that individuals or businesses owe to these institutions, particularly when those debts have fallen significantly behind schedule.
Is Kramer & Frank, P.C. legit or a scam?
Kramer & Frank, P.C. is a legitimate company. However, as part of their debt recovery efforts, they might engage in frequent communication, which could include repeated calls, text messages, or emails.
How can I remove Kramer & Frank from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Kramer & Frank, P.C. Contact Information
Kramer & Frank, P.C.
11960 Westline Industrial Dr. Ste 180
St. Louis, MO 63146
Kramer & Frank, P.C.
9300 Dielman Industrial Dr.
St. Louis, MO 63132
Phone number: (314) 991-1177
Should I contact or pay Kramer & Frank, P.C.?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Kramer & Frank is to work with a credit repair professional. They help remove millions of negative items every year from companies like Kramer & Frank on behalf of their clients.
Will Kramer & Frank sue me or garnish my wages?
Kramer & Frank, P.C. does have the legal ability to sue you for non-payment of a debt. If they successfully win a lawsuit against you, they may be able to garnish your wages or take other actions to collect the debt, subject to the laws of your specific jurisdiction.
However, going to court is often seen as a last resort by debt collection agencies and law firms, as the process can be costly and time-consuming. Instead, they are generally more interested in working out a payment plan or settlement with you to resolve the debt.
Kramer & Frank, P.C. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Kramer & Frank, P.C.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Kramer & Frank to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Kramer & Frank may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Kramer & Frank must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Kramer & Frank cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Kramer & Frank From Your Credit Report Today!
Credit Saint can assist you in disputing Kramer & Frank collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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