Struggling with creditor calls? Millions face the same problem?and a fresh start is just one phone call away. Contact **Doug Dern**, a trusted bankruptcy lawyer in Michigan, today at **248 882 0838** and begin moving toward peace of mind. Visit: https://maps.app.goo.gl/ZYyf374izYSmg2VU7

## Why Choose Doug Dern

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

• Two decades of legal practice

• - Personal access to Doug ? no call centers

• - Flat-fee pricing with no surprises

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Efficient timelines with after-hours appointments

• - Convenient Hartland office serving Southeast Michigan

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Phone **248 882 0838** now for a free consultation and speak one-on-one with Doug Dern.

## What is Chapter 7 Bankruptcy

Chapter 7 bankruptcy is best for those who want to wipe out unsecured debt. It allows for a fresh financial start by discharging debt like:

• Charge accounts

• - Medical bills

• - Personal loans

• - Overdue energy bills

• - Certain tax obligations

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Most clients keep their homes and vehicles by using Michigan?s generous 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 about 90 to 120 days.

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

## Chapter 13 Bankruptcy ? Save Your Home

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Chapter 13 is a flexible option for people with consistent pay who need to reorganize debt. This plan lasts 3 to 5 years and allows you to:

• Stop losing your house

• - 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.

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