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Scott Allen Kramer

Chapter 13 bankruptcy Attorney at Dayton, OH

4.7   14 reviews
  • Licensed for 23 years
    State OH
    Acquired 2000
    Active No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Scott

Learn Scott’s areas of practice.


My firm has offices located in Vandalia, Ohio and in Centerville, Ohio.  My practice is limited to representing consumers in chapter 7 and chapter 13 bankruptcy cases. I am a member of the National Association of Consumer Bankruptcy Attorneys, the Ohio State Bar Association, the Thomas F. Waldron Bankruptcy Law Forum and my firm is a BBB Accredited business.  I have spoken locally before members of the local bankruptcy bar, the Dayton Bar Association and for NBI Seminars. In addition, I have served as a member of the Local Bankruptcy Rules Committee and the planning committee for the 2012 Bankruptcy Bench-Bar Conference. I graduated from the University of Dayton School of Law in 1999 and obtained my undergraduate degree from San Francisco State University in 1986. 


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Scott Allen Kramer
130 West Second Street
Suite 310
Dayton, OH, 45402

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4.7 / 5.0
  14 customer reviews
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Posted by Leigh | July 27, 2016
This review is from a person who hired this attorney.
| Hired Attorney
I consider myself a hard working, independent woman who has always taken pride in what I do and how I do it. After a 19 year marriage and 3 wonderful children later, I found myself in a place I never thought I would be...afraid, alone, and in serious debt. I didn't know what to do, and denial was definitely NOT working anymore. I was getting collection calls ALL the time, I was nervous and anxious ALL the time. I still had to keep things running as a single mother, but I literally felt like I was drowning and I was running out of money. I felt defeated and alone. I considered debt consolidation/counseling but even that seemed overwhelming. I stopped into a library one afternoon and happened to walk across a book dealing with bankruptcy. It was really the last thing I wanted to do. I figured I could at least talk to a lawyer, no harm in that. I knew Scott Kramer from a friend of mine. I decided to call him and set up a visit. I remember sitting across from him, just crying. "this isn't me", "I shouldn't be here", I'm not a bad person". Scott was amazing. He made me realize that EVERYBODY deserves a second chance...he was right! I took a deep breathe, stood up, shook his hand and started the filing process with him. The entire time Scott made me feel okay about what I was doing. He was absolutely the most professional, yet caring lawyer I had ever met or worked with. He kept me updated on the process, managed my expectations, answered all my crazy questions...he was great! Once the process was finished, I felt a HUGE sense of relief, it really did feel like a ton of bricks off my chest. The most incredible thing....I was even able to buy a house after only 2 years! I have heard others talk about their bankruptcy experience and it makes me cringe to hear what some of them went through. My experience was the best. I HIGHLY recommend Scott Kramer.
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Posted by Frenchie | July 26, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Scott has done an outstanding job handling my bankruptcy. He stayed on top of all aspects of it and kept me informed every step of the way. By the far the best experience I have had with an attorney!!
Posted by Larry | July 23, 2016
This review is from a person who hired this attorney.
| Hired Attorney
My experience with Scott Kramer
I was given Scott's name from a person who said he would be able to help me. I had been through a very messy divorce and had been trying to pay my bills for three years. I could not do it any longer and I was at my wits end. Filing for bankruptcy was just not in my character. All my life I've been taught to pay my bills and I had accomplished that until my divorce. I excepted all of our debt and a major amount to the feds. There was just not enough income to make it. I thought I could make it, but I couldn't. I was embarrassed I was a fraid I would be humiliated . So I made an appointment with Scott Kramer. When I first met him I felt like I had known him for years he was kind, considerate and treated me with dignity. His assistance was wonderful. He Explained my situation and what he felt was best for me. I agreed and we proceeded with my bankruptcy chapter 13. During the time of my bankruptcy I had an unfortunate accident. I had loaned my car to a friend and a young lady pulled out in front of him and it totaled my van. I had nothing I got measly pennies for my van and I have no vehicle. Once again I talk to Scott and explain my situation Scott immediately jumped on and got me permission to purchase a vehicle so I still could continue with my life. This young man is absolutely amazing and I highly recommend that anyone needing assistance contact Scott Krammer attorney-at-law. Scott, I thank you from the bottom my heart for your kindness, respect, thoughtfulness and treating me like a human being. Larry
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Posted by John | September 9, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Professional, Curteous, Hard Working
My wife and I were very nervous at the beginning. Scott was there to answer any questions, and he made the process very easy. I would highly recommend his services.
Posted by Charles | January 9, 2015
Peace of Mind & A Fresh Start
Sometimes, despite my best intentions, things don't always turn out the way I thought they would. Personal financial decisions I thought were calculated risks turned into a devastating tumble down the road of life. Stressed, emotional, and embarrassed I felt I wasn’t in control anymore. I didn’t know who to talk to or where to turn. If I didn’t act soon my financial life would be dictated by others. I needed discrete, professional help. I went on the internet to research my options and start the ball rolling in the right direction. I looked at debt consolidation, buy down, and bankruptcy options. I needed to talk to someone face to face instead of on the phone. I needed someone who could discuss all the options and tell me the consequences of each. I came across Scott Kramer on the internet and gave his office call to set an appointment. Soon I was sitting in Mr. Kramer’s office telling him about my circumstances. Mr. Kramer listened to me and put me at ease. I began to feel the stress lift as he explained the different options and we began to formalize a plan of recovery. I decided the best option would be bankruptcy. Throughout the process, Mr. Kramer was always available to answer my questions and keep me informed of what was going on and what was going to happen next. I was in the capable hands of an experienced advocate that is known and respected in the local courts. The court discharged my debt and now I’m rebuilding my credit. Thank you Mr. Kramer.
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Posted by Linda | January 8, 2015
Excellent Attorney
Scott Kramer is an excellent attorney. He helped make a stressful situation a little easier by answering all my questions and being professional and compassionate. I would highly recommend Scott to anyone needing legal assistance.
Posted by anonymous | December 10, 2013
The Right Choice
I can't say enough about Mr. Kramer. The decision to file bankruptcy was the most difficult decision we have faced so far, but after having our initial consultation with Mr. Kramer, our fears were put to rest. We were planning a Chapter 13, but do to unforeseen circumstances regarding employment, we ended up filing as a Chapter 7. He kept us informed every step of the way, and presented the facts in easy to understand and honest terms. Our case was discharged and closed without issue. We have our fresh start, and we owe it all to Mr. Kramer!
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Posted by Gerri | November 23, 2013
Thank you so much Scott Kramer!!
There are no words I can use to describe how I want thank Mr. Kramer. My case was complicated and I went to see 3 other lawyers before going to see Scott Kramer. Nobody knew what to do with my case and some wouldn't even try to do it. But Mr. Kramer knew exactly what to do and I was so thankful he took my case. He knows his job very well and was very patience with me with my hearing loss as well. Working with him and his team was a wonderful experience. I received word from Mr. Kramer yesterday that my bankruptcy case had been discharged. I still had 3 years left to pay on it. He did an amazing job on my case. If you go with Mr. Kramer as your bankruptcy lawyer, you will not be disappointed. I will refer anyone and everyone to him who needs his services. He is simply amazing at his job. I feel I was very well blessed the day I met Mr. Kramer and he was kind enough to take my case. God bless you Mr. Kramer and thank you for everything you did to make this experience as easy as possible on me. Thank you
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Posted by anonymous | April 16, 2012
Business Owner
Scott Kramer was referred to me due the detail and complexity of my case. After interviewing several attorneys the choice to work with Mr. Kramer was clear. Several meeting took place over the course of a year and at present we receive follow-up and confirmation our case is being handled properly and professionally. Mr. Kramer put into action the plan best suited to our situation. We are confident his representation, of me and my companies, benefitted all to the best of our abilities.
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Posted by Gina and Jerry | April 11, 2012
Great Service
Scott and his Paralegal Sunshine were both very helpful throughout the whole bankruptcy process. Very knowledgeable and prompt. I would recommend Scott to all of my friends and family.
Posted by John | April 9, 2012
Chapter 7 Client
Scott Kramer turned my financial life around. He is not only knowledgeable and very professional in his character but made me feel very comfortable and confident that there was a solution to my financial distress. After spending nearly two years trying to fix matters on my own and simply digging a deeper hole, Scott was able to take my situation and turn it around and within months my burden had been lifted and I was once again able to sleep at night and not fret every time the telephone rang. Without Scott's professional service I could have never solved my financial problems on my own. It was the best decision I ever made and only wished I had made it sooner. I couldn't believe the time and effort Scott put into my case and yet his fees were fixed. This is a man that's very dedicated to his profession.I would definately recommend Scott Kramer to anyone who needs a very trustworthy and professional lawyer. During my entire Chapter 7 process with Mr. Kramer , I was kept informed on evey aspect of the process which was all so new to me. Even his staff were very friendly and professional.
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Posted by Steven | April 6, 2012
Thoughts on Scott Kramer
Scott Kramer is a professional and personable attorney whom I would highly recommend to others. I have noted several qualities in his work style and in his office on which I make this recommendation. When I first chose to pursue bankruptcy, I had a specific idea in mind of the kind of attorney I wanted to retain. Scott was one of the first recommendations made to me. This told me he had a good reputation. Scott’s in-office appointment manner is a confident combination of straightforward talk and clear client respect. He puts one at ease with how he mixes the business of the law with a comfortable conversational style. I considered bankruptcy for quite awhile before actually proceeding, and had initial concerns that the process might be a cold exercise in legal actions and paperwork. Scott is very effective at communicating steps to take and needed information in the context of a comfortable, sometimes-humorous atmosphere. His effectiveness took much of the potential “coldness” out of the equation. Scott openly welcomes calls and emails. I had many of both, and he was always promptly responsive and patient with my inquiries. His willingness to stay connected with me in these ways further contributed to my peace about how my case was being handled. Regarding patience – during my own experience I was late from time to time in providing requested documents or responding to information requests. I also had a late-in-the-process change in my filing orientation. At no time throughout my experience was there ever any expression of irritation or frustration. I certainly could have completed my formal filing much sooner had I handled my own tasks sooner or better. Scott was continually gracious throughout my own delays. Scott’s office staff reflects these same characteristics of Scott himself. For me and (I’m guessing) for others, the bankruptcy experience can be a difficult and potentially demoralizing time. The staff, like Scott himself, consistently interacted with me in respectful and empathetic ways. I realized over time that the staff, by the way they did things, was helping to create assurance in me almost to the degree that Scott himself was doing. Finally, Scott was willing to provide referrals to other attorneys outside his own scope of practice. During my bankruptcy process, I had a need for a different kind of attorney, and Scott made a recommendation to me on which I ultimately followed through. That other attorney proved a great help to me, validating the quality of Scott’s recommendation. And while recommendations or referrals may seem to some to be just a normal part of professional conduct, I looked upon Scott’s recommendation and the subsequent productiveness of it as another extension of his client-focused manner. Scott will serve anyone well who has a need for bankruptcy counsel and representation.
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Posted by anonymous | April 3, 2012
Scott Kramer Feedback
When I went for a consultation concerning my situation, Scott was frank and upfront about what my options were. I was appreciative that he spent the time I needed to make decisions on what I wanted to pursue. Scott gave me personal recomendations with my LLC which was much appreciated. It is obvious he is very knowledgable with his subject matter and I appreciated that he has been responsive to all my questions. Scott is very busy but he will respond to your email requests fairly quickly. I at times asked him very specific information, many things I do not know how they work and still have some further clarifications I need as we go further into the process. I have found Scott to be trust worthy and approachable. I apprecaite both characteristics.
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Posted by John | December 29, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Questionable Ethics
After hiring somewhat reluctant Mr. Kramer to represent my mother (who had recently suffered a stroke) in a pretty standard foreclosure case, I was under the impression that at least all the basic filings and motions with the court would be handled, and they were. Motions and answers were filed in a timely manner. However, the issues began to emerge when it came time for mediation. The creditor requested certain financial information from my mother in preparation for the mediation, which by the way is optional to attend. Nonetheless, we (my mother assisted by her sons) planned to attend for a workout. Given my mother's health and condition, however, gathering all the information proved to be a difficult and time consuming task. Then strangely seemingly out of nowhere Mr. Kramer demanded that was get the creditor's paperwork to him for work-out by a certain date and time (end of business on Wednesday) or else he would quit the case. What??? In any case, I sent the completed documents to him on that Wednesday on behalf of my mother. No further correspondence. That's when I was surprised to find a couple of months later that Mr. Kramer had withdrawn himself from my mother's case. I contacted his legal assistant to verify, and she confirmed. I asked what happened, and she mentioned the documents. However, I confirmed the documents had been sent. There was no response. No admission of error. Just dropped the case...just like that. Perhaps he was too busy with other non-generic cases, perhaps there were other reasons. However, this kind of attorney behavior towards clients relying on legal representation at a critical time borders on unethical. It certainly isn't moral, if he even cares what that it. At the very least, you might expect an apology and a perhaps an offer to re-represent as counsel. Not even that.
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AVVO RATING 8.2 (Excellent)

Work Experience

  • Attorney
  • Kramer Legal Group, Ltd.
  • 2003 - Present


  • University of Dayton
  • Juris Doctor
  • 1999
  • San Francisco State University
  • BS - Bachelor of Science
  • 1986

Sample of Legal Cases

  • In re Anderson, 383 B.R. 699 (Bankr. S.D. Ohio 2008)
  • Objection to confirmation sustained in part, denied in part.
  • In re Murray, 350 B.R. 408 (Bankr. S.D. Ohio 2006)
  • Debtors prevailed. The absence of the automatic Stay did not relieve creditors of binding effect of debtors' Chapter 13 plan.


  • Thomas F. Waldron American Bankruptcy Law Forum
  • Trustee
  • 2014 - Present
  • National Association of Consumer Bankruptcy Attorneys
  • Member
  • 2005 - Present
  • Ohio State Bar Association
  • Member
  • 2000 - Present

Languages Spoken

  • English

Honors and Awards

  • Peer Review Rated
  • Martindale-Hubbell
  • 2016
  • 2016 Client Distinction Award
  • Martindale-Hubbell
  • 2016

Speaking Engagements

  • CLE
  • Chapter 13
  • 2016
  • Thomas F. Waldron American Bankruptcy Law Forum
  • Chapter 13 Bankruptcy
  • 2015
  • CLE
  • Bankruptcy Chapter 13
  • 2014
  • CLE
  • Bankruptcy Chapter 13
  • 2013
  • CLE
  • Chapter 13 Bankruptcy
  • 2012
  • American Bankruptcy Law Forum
  • Bankruptcy Exemptions and exemptability of inherited IRA's
  • 2011
  • Dayton Bar Association
  • An Introduction to Chapter 13
  • 2009
  • 2008 American Bankruptcy Law Forum
  • Bankruptcy Exemptions
  • 2008
View all speaking engagements

Attorney endorsements

Received (4)
Given (1)
Endorse Scott
Bankruptcy and debt Attorney | Jan 04
Relationship: Fellow lawyer in community
"Excellent lawyer. Scott know his bankruptcy law ."
Bankruptcy and debt Attorney | May 12
Relationship: Fellow lawyer in community
"Scott understands bankruptcy law as well as any attorney you can find. Anyone seeking a bankruptcy lawyer in the Dayton area will not regret hiring Scott."
Bankruptcy and debt Attorney | Jan 04
Relationship: Fellow lawyer in community
"Scott is a well-respected, knowledgeable bankruptcy attorney in the Dayton legal community."
Bankruptcy and debt Attorney | Apr 03
Relationship: Fellow lawyer in community
"As a divorce lawyer, I often encounter bankruptcy issues. I trust and rely on Attorney Kramer for advice dealing with these issues. He is very knowledgeable, timely and professional. I have referred my clients to Attorney Kramer when they are in need of his services all with good results."