Overwhelmed by  creditor calls? You?re not alone?and help is just one phone call away. Contact **Doug Dern**, a trusted bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward a debt-free life. Visit: https://chapter7lawyermichigan.com/chapter-7-bankruptcy 

## Benefits of Choosing Doug Dern

When it comes to filing debt relief, not all attorneys offer the same level of service. Here?s why Doug Dern stands out: 

• Two decades of experience

• - One-on-one access to Doug ? no assistants

• - Flat-fee pricing you can trust

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Quick case starts with after-hours appointments

• - Local Hartland office serving Southeast Michigan

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Call **248 882 0838** now for a no-cost consultation and speak one-on-one with Doug Dern.

## What is Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to eliminate consumer debt. It allows for a clean slate by discharging debt like:

• Charge accounts

• - Unpaid healthcare costs

• - Unsecured installment loans

• - Utility bills

• - Old IRS debt

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Most clients do not lose assets by using Michigan?s protective exemptions and reaffirmation agreements.

Doug Dern will walk you through the filing process and ensure you?re fully protected. The average Chapter 7 case is complete in under half a year.

Phone us at **248 882 0838** to find out if you can benefit from Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Save Your Home

Chapter 13 is a powerful option for people with a job who need to reorganize debt. This plan lasts 3 to 5 years and allows you to:

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• Stop home foreclosure

• - Avoid car repossession

• - Pay back taxes and child support over time

• - Consolidate secured and unsecured debts into one monthly payment

• - Keep assets that might be at risk in Chapter 7

Doug Dern will structure a repayment plan that fits your budget and handles all filings for you. The automatic stay goes into effect upon filing?creditors are required by law to stop collections.

Get expert advice today by calling **248 882 0838**.