Struggling with creditor calls? You?re not alone?and a fresh start is just one phone call away. Call **Doug Dern**, a experienced bankruptcy lawyer in Michigan, today at **248 882 0838** and take the first step toward financial freedom. Visit: https://sites.google.com/view/chapter7exemptionsmilforsz/home 

## Top Reasons to Hire Doug Dern

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

• Two decades of legal practice

• - Direct access to Doug ? no call centers

• - Upfront pricing with no surprises

• - Thousands of successful Chapter 7 and Chapter 13 filings

• - Efficient timelines with flexible appointments

• - Local Hartland office serving Southeast Michigan

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

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## The Basics of Chapter 7 Bankruptcy

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

• Charge accounts

• - Medical bills

• - Unsecured installment loans

• - Overdue energy bills

• - Certain tax obligations

Most clients do not lose assets by using Michigan?s generous exemptions and reaffirmation agreements.

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

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

## Chapter 13 Bankruptcy ? Save Your Home

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 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

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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.