Struggling with creditor calls? It?s more common than you think?and help is just one phone call away. Contact **Doug Dern**, a reliable Michigan bankruptcy attorney, today at **248 882 0838** and take the first step toward a debt-free life. Visit: https://maps.app.goo.gl/ZYyf374izYSmg2VU7 

## Benefits of Choosing Doug Dern

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

• Two decades of professional success

• - Direct access to Doug ? no call centers

• - Flat-fee pricing you can trust

• - Thousands of completed Chapter 7 and Chapter 13 filings

• - Quick case starts with after-hours appointments

• - Convenient Hartland office serving Southeast Michigan

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

Visit: https://maps.app.goo.gl/ZYyf374izYSmg2VU7 

## The Basics of 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:

• Credit cards

• - Medical bills

• - Unsecured installment loans

• - Utility bills

• - Certain tax obligations

Most clients do not lose assets 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 about 90 to 120 days.

Phone us at **248 882 0838** to find out if you can benefit from Chapter 7 bankruptcy.

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

Chapter 13 is a longer-term option for people with consistent pay who need to catch up on debt. This plan lasts 36 to 60 months and allows you to:

• Stop home foreclosure

• - 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 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.

Ask your questions today by calling **248 882 0838**.