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About me

I was born and raised in Dubuque, Iowa.  I left the Midwest to earn my undergraduate degree at Harvard, then spent several years working in New York City. 



I slowly migrated back to my Midwestern roots by attending law school at the University of Wisconsin.  Inspired by a bankruptcy course in law school, I decided to focus my practice on bankruptcy and representing debtors.  I clerked for Judge Robert D. Martin of the U.S. Bankruptcy Court for the Western District of Wisconsin

and taught the bankruptcy law course at the University of Wisconsin Law School for two semesters in 2010 and 2013. 



Finally, I came full circle when I returned to Dubuque.  I practice at the law firm of Reynolds and Kenline in Dubuque and focus the majority of my practice on helping people in Iowa, Illinois, and Wisconsin with their debt problems. I also run my own website and blog at



Photos and videos

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Practice areas


  1. Bankruptcy & Debt: 80%
    6 years
  2. General Practice: 20%
    5 years



Fixed (sometimes), Free consultation (60 minutes)

Payment types:

Cash, Check, Credit card

Attorney endorsements

2 total 

Are you an attorney? Endorse this lawyer

  • Zeshan Usman

    I fully endorse Attorney Kramer without hesitation. She combines a sharp intellect with an excellent work ethic and real concern for her clients. I rely on her as a trusted advisor, and can refer clients to her confident that they'll receive top-notch legal service.


    Zeshan Usman Bankruptcy & Debt Attorney
    Relationship: Fellow lawyer in community

  • Bret G. Nason

    I frequently refer people to Gina Kramer if I have a conflict or can't help a client for some other reason. She's a knowledgeable, personable, and professional attorney. I would have no qualms referring my own family members to her for debt relief.


    Bret Nason Bankruptcy & Debt Attorney
    Relationship: Fellow lawyer in community

Contact info

Reynolds & Kenline

110 E 9th St
PO Box 239
Dubuque, IA, 52004-0239


IAAuthorized to practice law201010/24/2015
WIGood Standing200903/27/2015
We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
Next Generation Program MemberNational Conference of Bankruptcy Judges2014
Order of the CoifUniv. of Wisconsin Law School2009
Work experience
TitleCompany nameDuration
AttorneyReynolds & Kenline2010 - Present
Adjunct Instructor in Bankruptcy LawUniv. Of Wisconsin Law School2010 - 2014
Law Clerk, Judge Robert MartinU.S. Bankruptcy Court, Madison, WI2009 - 2010
Association namePosition nameDuration
National Association of Consumer Bankruptcy Attorneys (NACBA)N/A2010 - Present
Dubuque County Bar AssociationN/A2010 - Present
Iowa State Bar AssociationN/A2010 - Present
State Bar of WisconsinN/A2009 - Present
Legal cases
Case nameOutcome
State v. Rhombergsentence overturned; defendant eligible for parole
See all legal cases 
Publication nameTitleDate
The Golden ViewConsumer Credit Counseling2013
School nameMajorDegreeGraduated
University of Wisconsin Law SchoolN/AJD - Juris Doctor2009
Harvard CollegeN/ABA - Bachelor of Arts2003
Speaking engagements
Conference nameTitleDate
Commercial and Bankruptcy Law SeminarThe Ethics of Online Attorney Reviews2015
Legal Issues in Real Estate and ForeclosureForeclosure Avoidance Options2014
Barbara Everly Bankruptcy SeminarEthics and Technology in Bankruptcy2014
Lunch SeminarPerspectives from Bankruptcy Lawyers2013
Everly Bankruptcy SeminarLimited Representation in Bankruptcy2013
Everly Bankruptcy SeminarStudent Loans and the Mortgage Mess2012
Everly Bankruptcy SeminarExemptions and Reaffirmations2011
Consumer Bankruptcy: The BasicsChapter 13: Step by Step2011