Struggling with creditor calls? You?re not alone?and a fresh start is just one phone call away. Reach out to **Doug Dern**, a experienced Michigan bankruptcy attorney, today at **248 882 0838** and take the first step toward financial freedom. Visit: sites.google.com/view/bankruptcylawfirmberkleys7/home 

## Why Choose Doug Dern

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

• Over 20 years of experience

• - Personal access to Doug ? no paralegals

• - Upfront pricing you can trust

• - Thousands of successful 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.

Visit: https://chapter7lawyermichigan.com/chapter-13-bankruptcy 

## What is Chapter 7 Bankruptcy

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

• Credit cards

• - Medical bills

• - Personal loans

• - Utility bills

• - Certain tax obligations

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Most clients retain personal property by using Michigan?s protective exemptions and reaffirmation agreements.

Doug Dern will walk you through 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 ? Catch Up and Keep Your Property

Visit: https://chapter7lawyermichigan.com/ 

Chapter 13 is a longer-term option for people with consistent pay who need to catch up on debt. This plan lasts 3 to 5 years and allows you to:

• 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 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.