Are you  creditor calls? You?re not alone?and relief is just one phone call away. Call **Doug Dern**, a reliable Michigan bankruptcy attorney, today at **248 882 0838** and take the first step toward a debt-free life. Visit: https://sites.google.com/view/chapter13bankruptcymichim6/home 

## Top Reasons to Hire Doug Dern

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

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• Over 20 years of professional success

• - Personal access to Doug ? no paralegals

• - Flat-fee pricing you can trust

• - Thousands of approved Chapter 7 and Chapter 13 filings

• - Fast file processing with flexible appointments

• - Local Hartland office serving Southeast Michigan

Phone **248 882 0838** now for a zero obligation consultation and speak personally to Doug Dern.

## What is Chapter 7 Bankruptcy

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

• Charge accounts

• - Unpaid healthcare costs

• - Unsecured installment loans

• - Utility bills

• - Certain tax obligations

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

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Call **248 882 0838** to find out if you should consider Chapter 7 bankruptcy.

## Chapter 13 Bankruptcy ? Catch Up and Keep Your Property

Chapter 13 is a powerful option for people with steady income who need to reorganize 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 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.

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

## Signs It?s Time to File