Struggling with creditor calls? Millions face the same problem?and relief is just one phone call away. Call **Doug Dern**, a experienced bankruptcy lawyer in Michigan, today at **248 882 0838** and start your journey toward a debt-free life. Visit: https://sites.google.com/view/chapter13bankruptcymichim6/home 

## Benefits of Choosing Doug Dern

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

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• Over 20 years of legal practice

• - Direct access to Doug ? no paralegals

• - Flat-fee pricing tailored to your budget

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Quick case starts with evening and weekend appointments

• - Convenient Hartland office serving Southeast Michigan

Call **248 882 0838** now for a no-cost consultation and speak directly with Doug Dern.

## Understanding Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to get rid of consumer debt. It allows for a quick reset by discharging debt like:

• Retail cards

• - Medical bills

• - Personal loans

• - Utility bills

• - Certain tax obligations

Most clients keep their homes and vehicles by using Michigan?s favorable exemptions and reaffirmation agreements.

Doug Dern will guide you step by step the filing process and ensure you?re fully protected. The average Chapter 7 case is complete in three to six months.

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

## Chapter 13 Bankruptcy ? Save Your Home

Chapter 13 is a longer-term option for people with steady income 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 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.

Talk to Doug today by calling **248 882 0838**.

## Is Bankruptcy Right for You?