Struggling with creditor calls? You?re not alone?and help is just one phone call away. Call **Doug Dern**, a trusted bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward financial freedom. Visit: https://chapter7lawyermichigan.com/chapter-13-bankruptcy

## Benefits of Choosing 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:

• More than 18 years of legal practice

• - Direct access to Doug ? no assistants

• - Affordable pricing you can trust

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Efficient timelines with after-hours appointments

• - Convenient Hartland office serving Southeast Michigan

https://maps.app.goo.gl/ZYyf374izYSmg2VU7

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

## What is Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to get rid of consumer debt. It allows for a fresh financial start by discharging debt like:

• Charge accounts

• - Unpaid healthcare costs

• - Personal loans

• - Utility bills

• - Certain tax obligations

https://chapter7lawyermichigan.com/

Most clients do not lose assets 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 three to six months.

Dial **248 882 0838** to find out if you qualify for Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Save Your Home

https://chapter7lawyermichigan.com/chapter-7-bankruptcy

Chapter 13 is a longer-term option for people with consistent pay who need to repay debt. This plan lasts up 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 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.