Struggling with creditor calls? Millions face the same problem?and relief is just one phone call away. Reach out to **Doug Dern**, a reliable bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward a debt-free life. Visit: https://sites.google.com/view/bankruptcylawfirmhuntingks/home 

## Why Choose Doug Dern

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

• More than 18 years of experience

• - Personal access to Doug ? no paralegals

• - Affordable pricing tailored to your budget

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Efficient timelines with evening and weekend appointments

• - Local Hartland office serving Southeast Michigan

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

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## What is Chapter 7 Bankruptcy

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

• Credit cards

• - Unpaid healthcare costs

• - Unsecured installment 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 personally handle the filing process and ensure you?re fully protected. The average Chapter 7 case is complete in about 90 to 120 days.

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

## Chapter 13 Bankruptcy ? Save Your Home

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Chapter 13 is a flexible option for people with a job who need to reorganize debt. This plan lasts 36 to 60 months and allows you to:

• Stop bank seizure

• - 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.