Feeling  creditor calls? It?s more common than you think?and help is just one phone call away. Call **Doug Dern**, a trusted Michigan bankruptcy attorney, today at **248 882 0838** and start your journey toward financial freedom. 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:

• Over 20 years of legal practice

• - Direct access to Doug ? no paralegals

• - Flat-fee pricing you can trust

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Fast file processing with flexible appointments

• - Local Hartland office serving Southeast Michigan

Call **248 882 0838** now for a no-cost 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 wipe out consumer debt. It allows for a quick reset by discharging debt like:

• Charge accounts

• - Hospital expenses

• - Personal loans

• - Utility bills

• - Some back taxes

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Most clients keep their homes and vehicles by using Michigan?s favorable 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 under half a year.

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

## Chapter 13 Bankruptcy ? Save Your Home

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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 losing your house

• - 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 customize 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.