Are you  creditor calls? It?s more common than you think?and relief is just one phone call away. Contact **Doug Dern**, a reliable bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward a debt-free life. Visit: https://sites.google.com/view/chapter13bankruptcymichikq7/home 

## Why Choose Doug Dern

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

• Two decades of experience

• - Personal access to Doug ? no paralegals

• - Affordable pricing tailored to your budget

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Fast file processing with after-hours appointments

• - Local Hartland office serving Southeast Michigan

Phone **248 882 0838** now for a no-cost consultation and speak personally to Doug Dern.

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## Understanding Chapter 7 Bankruptcy

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

• Credit cards

• - Unpaid healthcare costs

• - Personal loans

• - Overdue energy bills

• - Certain tax obligations

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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 should consider Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Restructure Your Debt

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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 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.