you  creditor calls? Millions face the same problem?and help is just one phone call away. Contact **Doug Dern**, a experienced Michigan bankruptcy attorney, today at **248 882 0838** and take the first step toward financial freedom. Visit: https://chapter7lawyermichigan.com/chapter-7-bankruptcy

## Why Choose Doug Dern

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

• More than 18 years of legal practice

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

• - Flat-fee pricing you can trust

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Quick case starts with evening and weekend appointments

• - Local Hartland office serving Southeast Michigan

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Call **248 882 0838** now for a no-cost consultation and speak personally to Doug Dern.

## What is Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to get rid of unsecured debt. It allows for a clean slate by discharging debt like:

• Retail cards

• - Unpaid healthcare costs

• - Personal loans

• - Utility bills

• - Certain tax obligations

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Most clients keep their homes and vehicles by using Michigan?s protective exemptions and reaffirmation agreements.

Doug Dern will guide you step by step the filing process and ensure you?re fully protected. The average Chapter 7 case is complete in three to six months.

Dial **248 882 0838** to find out if you should consider Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

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

• Stop bank seizure

• - Avoid vehicle loss

• - 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.

Talk to Doug today by calling **248 882 0838**.