creditor calls? Millions face the same problem?and help is just one phone call away. Call **Doug Dern**, a reliable bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward peace of mind. Visit: https://sites.google.com/view/bankruptcylawfirmkeegohahs5/home 

## Benefits of Choosing Doug Dern

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

• Two decades of professional success

• - Direct access to Doug ? no paralegals

• - Affordable pricing with no surprises

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Fast file processing with after-hours appointments

• - Convenient Hartland office serving Southeast Michigan

Reach us at **248 882 0838** now for a zero obligation consultation and speak directly with Doug Dern.

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## What is Chapter 7 Bankruptcy

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

• Credit cards

• - Medical bills

• - Unsecured installment loans

• - Overdue energy bills

• - Certain tax obligations

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Most clients keep their homes and vehicles 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 under half a year.

Phone us at **248 882 0838** to find out if you can benefit from Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Save Your Home

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Chapter 13 is a longer-term option for people with steady income who need to reorganize debt. This plan lasts 36 to 60 months 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 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.