Overwhelmed by  creditor calls? You?re not alone?and a fresh start is just one phone call away. Contact **Doug Dern**, a experienced Michigan bankruptcy attorney, today at **248 882 0838** and begin moving toward financial freedom. 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 Attorney Doug Dern stands out:

• Over 20 years of legal practice

• - Direct access to Doug ? no paralegals

• - Flat-fee pricing with no surprises

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Quick case starts with evening and weekend appointments

• - Centrally located Hartland office serving Southeast Michigan

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

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## What is Chapter 7 Bankruptcy

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

• Charge accounts

• - Medical bills

• - Unsecured installment loans

• - Overdue energy bills

• - Old IRS debt

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Most clients do not lose assets by using Michigan?s generous 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.

Phone us at **248 882 0838** to find out if you qualify for Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

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Chapter 13 is a flexible option for people with steady income who need to repay debt. This plan lasts 3 to 5 years and allows you to:

• Stop home foreclosure

• - 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 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.