Are you  creditor calls? Millions face the same problem?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 start your journey toward financial freedom. Visit: https://sites.google.com/view/chapter13bankruptcymichikq7/home 

## Top Reasons to Hire Doug Dern

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

• More than 18 years of professional success

• - One-on-one access to Doug ? no paralegals

• - Upfront pricing tailored to your budget

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Efficient timelines with evening and weekend appointments

• - Centrally located Hartland office serving Southeast Michigan

Reach us at **248 882 0838** now for a no-cost 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 clean slate by discharging debt like:

• Charge accounts

• - Hospital expenses

• - Personal loans

• - Utility bills

• - Certain tax obligations

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Most clients keep their homes and vehicles 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.

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 a job who need to catch up on debt. This plan lasts 36 to 60 months 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.