Overwhelmed by  creditor calls? It?s more common than you think?and a fresh start is just one phone call away. Contact **Doug Dern**, a trusted Michigan bankruptcy attorney, today at **248 882 0838** and start your journey toward peace of mind. Visit: https://chapter7lawyermichigan.com/chapter-7-bankruptcy 

## Top Reasons to Hire Doug Dern

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

• More than 18 years of experience

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

• - Upfront pricing tailored to your budget

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Fast file processing with evening and weekend appointments

• - Convenient Hartland office serving Southeast Michigan

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Call **248 882 0838** now for a zero obligation consultation and speak personally to Doug Dern.

## The Basics of Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to wipe out consumer debt. It allows for a fresh financial start by discharging debt like:

• Retail cards

• - Hospital expenses

• - Personal loans

• - Utility 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.

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

## Chapter 13 Bankruptcy ? Save Your Home

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

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• Stop home foreclosure

• - 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 customize 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.

Ask your questions today by calling **248 882 0838**.