STOP GARNISHMENT AND COLLECTION CALLS TODAY 248-882-0838

You’re Not Irresponsible. You’re Overwhelmed. We Fix That

Debt makes good people feel scared, stressed, and out of control.

You’re not a failure — you’re dealing with aggressive creditors, predatory lenders, and a system designed to intimidate you.

I’ve helped thousands of Michigan families get their life back.

I know the pain you’re feeling, and I know how to stop it.

When you call me, you get:

• A real Michigan bankruptcy lawyer

• 18+ years of experience

• Personal attention — not a big firm with rotating associates

• Someone who answers the phone and fights for you

You deserve relief. You deserve peace. You deserve a fresh start.

How it Works with Me

Getting out of debt is simpler than you think. Here’s the process:

1. Call for a Free Phone Assessment

You talk directly to me — not a receptionist, not an associate.

I answer my own phone.

2. We Review Your Situation

I’ll look at your income, debts, assets, and goals to see if bankruptcy is the right fit.

3. We Decide Chapter 7 or Chapter 13

I do both.

I’ll explain the difference in plain English and help you choose the best option.

4. I Stop Your Creditors Immediately

Once we file, garnishments, lawsuits, foreclosure, and collection calls stop the same day.

5. You Get Your Financial Life Back

You walk away with peace, protection, and a fresh start.

Call now: 248‑882‑0838

You’re one phone call away from relief.

Why People Hire Me (and Why Creditors Hate Me)

You’re not hiring a giant law firm where you never meet your lawyer.

You’re hiring me — a local Michigan bankruptcy attorney with 18+ years of experience helping thousands of people get out of debt.

Here’s what makes my office different:

✔ I’m Tough on Creditors

I don’t let bill collectors push my clients around.

If they violate federal law after you file, I go after them.

✔ You Work Directly With Me

No associates. No paralegals running your case.

I’m a one‑person law firm, and I give you personal attention from start to finish.

✔ I Answer My Own Phone

When you call, you get me — not a receptionist or a call center.

✔ 25+ Years of Bankruptcy Experience

I’ve helped thousands of Michigan families get a fresh start.

✔ Local, Trusted, and Affordable

I keep my costs low and pass the savings on to you.

You get premium service without the big‑firm price tag.

✔ Fast Filing Available

When you’re being garnished or sued, speed matters.

I get cases moving quickly.

Call now: 248‑882‑0838

Let’s take back control of your financial life.

What You Can Keep in a Chapter 7 Bankruptcy

Most people keep everything they own in a Chapter 7.

Michigan exemptions are generous, and I use every inch of the law to protect your property.

Here’s what you can usually keep:

✔ Your House

If you have less than roughly $23,000 in equity (double if married), you can keep your home.

✔ Your Car

Most people keep their vehicle.

You can reaffirm the loan or surrender it if you want out of the payment.

✔ Your Personal Property

Furniture, clothing, appliances, electronics — all protected.

✔ Your Retirement Accounts

401(k)s, IRAs, pensions — fully protected.

✔ Social Security, Disability, Unemployment

These benefits are exempt.

✔ Most Lawsuit Settlements

Personal injury and wrongful death awards are protected up to generous limits.

✔ Tools of Your Trade

If you need it to work, you can usually keep it.

The Bottom Line:

You don’t lose everything in bankruptcy — you keep almost everything.

And I’ll walk you through exactly what’s protected in your situation.

Call now: 248‑882‑0838

Let’s protect what matters most.

You Don’t Have to Live Like This Anymore

Debt takes over your life slowly — then all at once.

Garnishments, lawsuits, collection calls, threats, embarrassment, fear… it’s too much for anyone to carry alone.

You deserve relief. You deserve peace. You deserve a fresh start.

I’ve helped thousands of Michigan families get out of debt, keep their property, and rebuild their lives.

I can help you too.

Call Now for a Free Consultation

248‑882‑0838

Talk directly to me — not a receptionist.

Or Text Me Anytime

I respond personally.

Privacy Policy

Effective Date; 07/03/25

The Law Office of Doug Dern (“we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, and protect the personal information you provide when you visit our website or submit your information through our contact form.

Information We Collect
We may collect your name, email address, phone number, and any details you provide through our website contact form or phone consultations.

How We Use Your Information
We use your information to contact you about our legal services, respond to your inquiries, and improve our services.

Information Sharing
We do not sell or rent your personal information. We may share information with service providers only as necessary to operate this website or advertise our services.

Cookies
Our website may use cookies to improve your experience. You can disable cookies in your browser settings.

Your Rights
You may contact us at any time to request access to or deletion of your personal information.

Contact Us
If you have any questions, please contact:
Law Office of Doug Dern
11636 Highland Rd. #107, Hartland, MI 48353
Phone: (248) 882-0838

law4less@aol.com

We are a debt relief agency we help people file bankruptcy under the code.