with creditor calls? Millions face the same problem?and a fresh start is just one phone call away. Reach out to **Doug Dern**, a experienced bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward financial freedom. Visit: https://sites.google.com/view/bankruptcylawfirmkeegohahs5/home 

## Why Choose Doug Dern

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

• More than 18 years of legal practice

• - Personal access to Doug ? no assistants

• - Affordable pricing tailored to your budget

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Efficient timelines with after-hours appointments

• - Centrally located Hartland office serving Southeast Michigan

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

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## The Basics of Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to eliminate consumer debt. It allows for a quick reset by discharging debt like:

• Credit cards

• - Medical bills

• - Unsecured installment loans

• - Utility bills

• - Certain tax obligations

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Most clients keep their homes and vehicles 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 qualify for 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 catch up on debt. This plan lasts up to 5 years 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 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.