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 experienced bankruptcy lawyer in Michigan, today at **248 882 0838** and begin moving toward peace of mind. Visit: https://sites.google.com/view/bankruptcylawfirmhuntingks/home 

## Why Choose Doug Dern

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

• Two decades of professional success

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

• - Affordable pricing tailored to your budget

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Quick case starts with flexible appointments

• - Local Hartland office serving Southeast Michigan

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

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## What is Chapter 7 Bankruptcy

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

• Credit cards

• - Hospital expenses

• - Personal loans

• - Overdue energy bills

• - Old IRS debt

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Most clients do not lose assets by using Michigan?s generous 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 powerful option for people with steady income who need to reorganize debt. This plan lasts 3 to 5 years and allows you to:

• Stop losing your house

• - 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.