Struggling with creditor calls? It?s more common than you think?and a fresh start is just one phone call away. Call **Doug Dern**, a trusted bankruptcy lawyer in Michigan, today at **248 882 0838** and begin moving toward financial freedom. Visit: https://chapter7lawyermichigan.com/chapter-7-bankruptcy 

## Top Reasons to Hire Doug Dern

When it comes to navigating financial law, 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 experience

• - One-on-one access to Doug ? no call centers

• - Affordable pricing with no surprises

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Quick case starts with after-hours appointments

• - Convenient Hartland office serving Southeast Michigan

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Call **248 882 0838** now for a free consultation and speak directly with Doug Dern.

## The Basics of Chapter 7 Bankruptcy

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

• Retail cards

• - Medical bills

• - Personal loans

• - Overdue energy bills

• - Certain tax obligations

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Most clients do not lose assets 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 under half a year.

Phone us at **248 882 0838** to find out if you qualify for Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

Chapter 13 is a longer-term option for people with a job who need to catch up on debt. This plan lasts 36 to 60 months and allows you to:

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• Stop losing your house

• - 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 develop 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**.