Are you  creditor calls? It?s more common than you think?and relief is just one phone call away. Reach out to **Doug Dern**, a trusted Michigan bankruptcy attorney, today at **248 882 0838** and begin moving toward a debt-free life. Visit: https://sites.google.com/view/chapter13bankruptcymichily4x/home 

## Top Reasons to Hire Doug Dern

When it comes to filing debt relief, 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 with no surprises

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Efficient timelines with after-hours appointments

• - Convenient Hartland office serving Southeast Michigan

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

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## The Basics of 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 quick reset by discharging debt like:

• Credit cards

• - Unpaid healthcare costs

• - Unsecured installment loans

• - Overdue energy bills

• - Old IRS debt

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Most clients keep their homes and vehicles by using Michigan?s protective 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 three to six months.

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

## Chapter 13 Bankruptcy ? Restructure Your Debt

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

• Stop losing your house

• - 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.